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$54,890
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,598
−HK$1,734/mo
Today · 4.125%
HK$58,332
baseline
▲ 0.50% · 4.625%
HK$61,882
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,664/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,065
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,703
−HK$1,661/mo
Today · 4.125%
HK$64,364
baseline
▲ 0.50% · 4.625%
HK$67,757
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,728/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,868
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,917
−HK$2,082/mo
Today · 4.125%
HK$69,999
baseline
▲ 0.50% · 4.625%
HK$74,258
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,998/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,278
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,243
−HK$1,994/mo
Today · 4.125%
HK$77,237
baseline
▲ 0.50% · 4.625%
HK$81,308
+HK$4,071/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,474/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,846
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,237
−HK$2,428/mo
Today · 4.125%
HK$81,665
baseline
▲ 0.50% · 4.625%
HK$86,634
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,330/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,491
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,784
−HK$2,326/mo
Today · 4.125%
HK$90,110
baseline
▲ 0.50% · 4.625%
HK$94,859
+HK$4,749/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,220/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,803
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,876
−HK$3,122/mo
Today · 4.125%
HK$104,998
baseline
▲ 0.50% · 4.625%
HK$111,387
+HK$6,389/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,996/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,917
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,865
−HK$2,990/mo
Today · 4.125%
HK$115,855
baseline
▲ 0.50% · 4.625%
HK$121,962
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,710/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,059 · Scale 2, in force from 26 Feb 2026)