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$54,845
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,551
−HK$1,734/mo
Today · 4.125%
HK$58,285
baseline
▲ 0.50% · 4.625%
HK$61,831
+HK$3,546/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,570/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,015
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,651
−HK$1,660/mo
Today · 4.125%
HK$64,311
baseline
▲ 0.50% · 4.625%
HK$67,701
+HK$3,390/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,622/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,814
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,862
−HK$2,080/mo
Today · 4.125%
HK$69,942
baseline
▲ 0.50% · 4.625%
HK$74,197
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,884/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,218
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,182
−HK$1,992/mo
Today · 4.125%
HK$77,174
baseline
▲ 0.50% · 4.625%
HK$81,242
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,348/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,784
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,172
−HK$2,427/mo
Today · 4.125%
HK$81,599
baseline
▲ 0.50% · 4.625%
HK$86,564
+HK$4,965/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,198/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,421
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,712
−HK$2,324/mo
Today · 4.125%
HK$90,036
baseline
▲ 0.50% · 4.625%
HK$94,782
+HK$4,746/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,072/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,722
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,793
−HK$3,119/mo
Today · 4.125%
HK$104,912
baseline
▲ 0.50% · 4.625%
HK$111,296
+HK$6,384/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,824/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,827
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,772
−HK$2,989/mo
Today · 4.125%
HK$115,761
baseline
▲ 0.50% · 4.625%
HK$121,862
+HK$6,101/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,522/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,223 · Scale 2, in force from 26 Feb 2026)