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$54,902
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,609
−HK$1,735/mo
Today · 4.125%
HK$58,344
baseline
▲ 0.50% · 4.625%
HK$61,894
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,688/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,077
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,715
−HK$1,662/mo
Today · 4.125%
HK$64,377
baseline
▲ 0.50% · 4.625%
HK$67,771
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,754/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,882
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,931
−HK$2,082/mo
Today · 4.125%
HK$70,013
baseline
▲ 0.50% · 4.625%
HK$74,273
+HK$4,260/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,026/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,293
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,259
−HK$1,994/mo
Today · 4.125%
HK$77,253
baseline
▲ 0.50% · 4.625%
HK$81,325
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,506/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,862
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,253
−HK$2,429/mo
Today · 4.125%
HK$81,682
baseline
▲ 0.50% · 4.625%
HK$86,652
+HK$4,970/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,364/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,508
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,802
−HK$2,326/mo
Today · 4.125%
HK$90,128
baseline
▲ 0.50% · 4.625%
HK$94,879
+HK$4,751/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,256/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,823
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,897
−HK$3,123/mo
Today · 4.125%
HK$105,020
baseline
▲ 0.50% · 4.625%
HK$111,410
+HK$6,390/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,040/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,939
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,888
−HK$2,991/mo
Today · 4.125%
HK$115,879
baseline
▲ 0.50% · 4.625%
HK$121,987
+HK$6,108/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,758/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,269 · Scale 2, in force from 26 Feb 2026)