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$54,793
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,497
−HK$1,732/mo
Today · 4.125%
HK$58,229
baseline
▲ 0.50% · 4.625%
HK$61,772
+HK$3,543/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,458/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,956
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,591
−HK$1,659/mo
Today · 4.125%
HK$64,250
baseline
▲ 0.50% · 4.625%
HK$67,636
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,500/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,751
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,796
−HK$2,078/mo
Today · 4.125%
HK$69,874
baseline
▲ 0.50% · 4.625%
HK$74,126
+HK$4,252/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,748/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,148
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,109
−HK$1,990/mo
Today · 4.125%
HK$77,099
baseline
▲ 0.50% · 4.625%
HK$81,163
+HK$4,064/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,198/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,710
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,096
−HK$2,424/mo
Today · 4.125%
HK$81,520
baseline
▲ 0.50% · 4.625%
HK$86,480
+HK$4,960/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,040/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,339
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,628
−HK$2,321/mo
Today · 4.125%
HK$89,949
baseline
▲ 0.50% · 4.625%
HK$94,691
+HK$4,742/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,898/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,627
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,695
−HK$3,117/mo
Today · 4.125%
HK$104,812
baseline
▲ 0.50% · 4.625%
HK$111,189
+HK$6,377/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,624/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,721
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,664
−HK$2,985/mo
Today · 4.125%
HK$115,649
baseline
▲ 0.50% · 4.625%
HK$121,745
+HK$6,096/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,298/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,240 · Scale 2, in force from 26 Feb 2026)