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$55,296
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,016
−HK$1,747/mo
Today · 4.125%
HK$58,763
baseline
▲ 0.50% · 4.625%
HK$62,339
+HK$3,576/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,526/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,516
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,166
−HK$1,674/mo
Today · 4.125%
HK$64,840
baseline
▲ 0.50% · 4.625%
HK$68,257
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,680/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,355
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,419
−HK$2,097/mo
Today · 4.125%
HK$70,516
baseline
▲ 0.50% · 4.625%
HK$74,807
+HK$4,291/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,032/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,819
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,799
−HK$2,008/mo
Today · 4.125%
HK$77,807
baseline
▲ 0.50% · 4.625%
HK$81,909
+HK$4,102/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,614/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,414
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,822
−HK$2,447/mo
Today · 4.125%
HK$82,269
baseline
▲ 0.50% · 4.625%
HK$87,274
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,538/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,122
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,432
−HK$2,343/mo
Today · 4.125%
HK$90,775
baseline
▲ 0.50% · 4.625%
HK$95,560
+HK$4,785/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,550/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,532
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,628
−HK$3,146/mo
Today · 4.125%
HK$105,774
baseline
▲ 0.50% · 4.625%
HK$112,210
+HK$6,436/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,548/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,729
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,698
−HK$3,013/mo
Today · 4.125%
HK$116,711
baseline
▲ 0.50% · 4.625%
HK$122,863
+HK$6,152/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,422/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,617 · Scale 2, in force from 26 Feb 2026)