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$54,940
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,649
−HK$1,736/mo
Today · 4.125%
HK$58,385
baseline
▲ 0.50% · 4.625%
HK$61,938
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,770/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,120
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,759
−HK$1,663/mo
Today · 4.125%
HK$64,422
baseline
▲ 0.50% · 4.625%
HK$67,818
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,844/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,928
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,979
−HK$2,083/mo
Today · 4.125%
HK$70,062
baseline
▲ 0.50% · 4.625%
HK$74,325
+HK$4,263/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,124/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,344
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,311
−HK$1,996/mo
Today · 4.125%
HK$77,307
baseline
▲ 0.50% · 4.625%
HK$81,382
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,614/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,916
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,309
−HK$2,430/mo
Today · 4.125%
HK$81,739
baseline
▲ 0.50% · 4.625%
HK$86,713
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,478/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,568
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,863
−HK$2,328/mo
Today · 4.125%
HK$90,191
baseline
▲ 0.50% · 4.625%
HK$94,945
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,382/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,892
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,968
−HK$3,125/mo
Today · 4.125%
HK$105,093
baseline
▲ 0.50% · 4.625%
HK$111,488
+HK$6,395/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,186/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,016
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,967
−HK$2,993/mo
Today · 4.125%
HK$115,960
baseline
▲ 0.50% · 4.625%
HK$122,073
+HK$6,113/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,920/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,986 · Scale 2, in force from 26 Feb 2026)