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$54,977
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,687
−HK$1,738/mo
Today · 4.125%
HK$58,425
baseline
▲ 0.50% · 4.625%
HK$61,980
+HK$3,555/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,850/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,161
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,802
−HK$1,664/mo
Today · 4.125%
HK$64,466
baseline
▲ 0.50% · 4.625%
HK$67,864
+HK$3,398/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,932/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,972
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,025
−HK$2,084/mo
Today · 4.125%
HK$70,109
baseline
▲ 0.50% · 4.625%
HK$74,375
+HK$4,266/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$140,218/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,394
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,362
−HK$1,997/mo
Today · 4.125%
HK$77,359
baseline
▲ 0.50% · 4.625%
HK$81,437
+HK$4,078/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$154,718/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,968
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,362
−HK$2,432/mo
Today · 4.125%
HK$81,794
baseline
▲ 0.50% · 4.625%
HK$86,771
+HK$4,977/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,588/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,626
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,922
−HK$2,330/mo
Today · 4.125%
HK$90,252
baseline
▲ 0.50% · 4.625%
HK$95,009
+HK$4,757/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,504/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,959
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,037
−HK$3,127/mo
Today · 4.125%
HK$105,164
baseline
▲ 0.50% · 4.625%
HK$111,563
+HK$6,399/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,328/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,091
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,043
−HK$2,995/mo
Today · 4.125%
HK$116,038
baseline
▲ 0.50% · 4.625%
HK$122,155
+HK$6,117/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,076/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,676 · Scale 2, in force from 26 Feb 2026)