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$55,268
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,987
−HK$1,747/mo
Today · 4.125%
HK$58,734
baseline
▲ 0.50% · 4.625%
HK$62,308
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,468/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,485
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,134
−HK$1,673/mo
Today · 4.125%
HK$64,807
baseline
▲ 0.50% · 4.625%
HK$68,223
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,614/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,322
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,385
−HK$2,096/mo
Today · 4.125%
HK$70,481
baseline
▲ 0.50% · 4.625%
HK$74,770
+HK$4,289/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$140,962/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,783
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,761
−HK$2,008/mo
Today · 4.125%
HK$77,769
baseline
▲ 0.50% · 4.625%
HK$81,868
+HK$4,099/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$155,538/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,376
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,782
−HK$2,446/mo
Today · 4.125%
HK$82,228
baseline
▲ 0.50% · 4.625%
HK$87,231
+HK$5,003/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,456/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,080
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,388
−HK$2,342/mo
Today · 4.125%
HK$90,730
baseline
▲ 0.50% · 4.625%
HK$95,513
+HK$4,783/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,460/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,483
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,577
−HK$3,144/mo
Today · 4.125%
HK$105,721
baseline
▲ 0.50% · 4.625%
HK$112,154
+HK$6,433/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,442/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,674
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,642
−HK$3,011/mo
Today · 4.125%
HK$116,653
baseline
▲ 0.50% · 4.625%
HK$122,802
+HK$6,149/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,306/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,105 · Scale 2, in force from 26 Feb 2026)