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$54,906
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,614
−HK$1,735/mo
Today · 4.125%
HK$58,349
baseline
▲ 0.50% · 4.625%
HK$61,900
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,698/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,082
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,721
−HK$1,662/mo
Today · 4.125%
HK$64,383
baseline
▲ 0.50% · 4.625%
HK$67,776
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,766/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,887
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,937
−HK$2,082/mo
Today · 4.125%
HK$70,019
baseline
▲ 0.50% · 4.625%
HK$74,279
+HK$4,260/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,038/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,299
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,265
−HK$1,994/mo
Today · 4.125%
HK$77,259
baseline
▲ 0.50% · 4.625%
HK$81,331
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,518/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,868
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,259
−HK$2,430/mo
Today · 4.125%
HK$81,689
baseline
▲ 0.50% · 4.625%
HK$86,659
+HK$4,970/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$163,378/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,515
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,809
−HK$2,327/mo
Today · 4.125%
HK$90,136
baseline
▲ 0.50% · 4.625%
HK$94,887
+HK$4,751/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$180,272/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,831
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,905
−HK$3,123/mo
Today · 4.125%
HK$105,028
baseline
▲ 0.50% · 4.625%
HK$111,419
+HK$6,391/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,056/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,948
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,897
−HK$2,992/mo
Today · 4.125%
HK$115,889
baseline
▲ 0.50% · 4.625%
HK$121,997
+HK$6,108/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,778/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,353 · Scale 2, in force from 26 Feb 2026)