The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$55,266
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,985
−HK$1,746/mo
Today · 4.125%
HK$58,731
baseline
▲ 0.50% · 4.625%
HK$62,305
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,462/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,483
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,132
−HK$1,672/mo
Today · 4.125%
HK$64,804
baseline
▲ 0.50% · 4.625%
HK$68,220
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,608/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,319
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,382
−HK$2,096/mo
Today · 4.125%
HK$70,478
baseline
▲ 0.50% · 4.625%
HK$74,766
+HK$4,288/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,956/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,030,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,779
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,758
−HK$2,007/mo
Today · 4.125%
HK$77,765
baseline
▲ 0.50% · 4.625%
HK$81,864
+HK$4,099/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,530/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,030,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,372
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,779
−HK$2,445/mo
Today · 4.125%
HK$82,224
baseline
▲ 0.50% · 4.625%
HK$87,227
+HK$5,003/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,448/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,076
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,384
−HK$2,342/mo
Today · 4.125%
HK$90,726
baseline
▲ 0.50% · 4.625%
HK$95,508
+HK$4,782/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,452/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,478
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,573
−HK$3,144/mo
Today · 4.125%
HK$105,717
baseline
▲ 0.50% · 4.625%
HK$112,149
+HK$6,432/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,434/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,669
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,637
−HK$3,011/mo
Today · 4.125%
HK$116,648
baseline
▲ 0.50% · 4.625%
HK$122,797
+HK$6,149/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,296/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,059 · Scale 2, in force from 26 Feb 2026)