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$54,771
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,475
−HK$1,731/mo
Today · 4.125%
HK$58,206
baseline
▲ 0.50% · 4.625%
HK$61,748
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,412/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,933
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,567
−HK$1,658/mo
Today · 4.125%
HK$64,225
baseline
▲ 0.50% · 4.625%
HK$67,610
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,450/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,726
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,770
−HK$2,077/mo
Today · 4.125%
HK$69,847
baseline
▲ 0.50% · 4.625%
HK$74,097
+HK$4,250/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,694/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,119
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,080
−HK$1,989/mo
Today · 4.125%
HK$77,069
baseline
▲ 0.50% · 4.625%
HK$81,132
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,138/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,680
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,065
−HK$2,423/mo
Today · 4.125%
HK$81,488
baseline
▲ 0.50% · 4.625%
HK$86,447
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,976/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,306
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,593
−HK$2,321/mo
Today · 4.125%
HK$89,914
baseline
▲ 0.50% · 4.625%
HK$94,654
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,828/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,588
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,655
−HK$3,116/mo
Today · 4.125%
HK$104,771
baseline
▲ 0.50% · 4.625%
HK$111,146
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,542/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,679
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,620
−HK$2,984/mo
Today · 4.125%
HK$115,604
baseline
▲ 0.50% · 4.625%
HK$121,698
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,208/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,842 · Scale 2, in force from 26 Feb 2026)