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$54,754
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,457
−HK$1,731/mo
Today · 4.125%
HK$58,188
baseline
▲ 0.50% · 4.625%
HK$61,728
+HK$3,540/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,376/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,914
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,547
−HK$1,657/mo
Today · 4.125%
HK$64,204
baseline
▲ 0.50% · 4.625%
HK$67,589
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,408/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,705
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,749
−HK$2,076/mo
Today · 4.125%
HK$69,825
baseline
▲ 0.50% · 4.625%
HK$74,074
+HK$4,249/mo
Deposit HK$9.60M · loan HK$14.41M · min. income ≈ HK$139,650/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,096
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,057
−HK$1,988/mo
Today · 4.125%
HK$77,045
baseline
▲ 0.50% · 4.625%
HK$81,107
+HK$4,062/mo
Deposit HK$9.60M · loan HK$14.41M · min. income ≈ HK$154,090/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,656
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,040
−HK$2,423/mo
Today · 4.125%
HK$81,463
baseline
▲ 0.50% · 4.625%
HK$86,420
+HK$4,957/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,926/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,279
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,566
−HK$2,320/mo
Today · 4.125%
HK$89,886
baseline
▲ 0.50% · 4.625%
HK$94,624
+HK$4,738/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,772/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,558
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,623
−HK$3,115/mo
Today · 4.125%
HK$104,738
baseline
▲ 0.50% · 4.625%
HK$111,111
+HK$6,373/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,476/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,644
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,585
−HK$2,983/mo
Today · 4.125%
HK$115,568
baseline
▲ 0.50% · 4.625%
HK$121,660
+HK$6,092/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,136/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,523 · Scale 2, in force from 26 Feb 2026)