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$54,909
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,617
−HK$1,735/mo
Today · 4.125%
HK$58,352
baseline
▲ 0.50% · 4.625%
HK$61,903
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,704/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,086
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,724
−HK$1,662/mo
Today · 4.125%
HK$64,386
baseline
▲ 0.50% · 4.625%
HK$67,780
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,772/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,891
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,940
−HK$2,083/mo
Today · 4.125%
HK$70,023
baseline
▲ 0.50% · 4.625%
HK$74,284
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,046/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,303
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,269
−HK$1,994/mo
Today · 4.125%
HK$77,263
baseline
▲ 0.50% · 4.625%
HK$81,336
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,526/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,873
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,264
−HK$2,429/mo
Today · 4.125%
HK$81,693
baseline
▲ 0.50% · 4.625%
HK$86,664
+HK$4,971/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$163,386/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,520
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,814
−HK$2,326/mo
Today · 4.125%
HK$90,140
baseline
▲ 0.50% · 4.625%
HK$94,892
+HK$4,752/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$180,280/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,836
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,911
−HK$3,123/mo
Today · 4.125%
HK$105,034
baseline
▲ 0.50% · 4.625%
HK$111,425
+HK$6,391/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,068/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,954
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,903
−HK$2,992/mo
Today · 4.125%
HK$115,895
baseline
▲ 0.50% · 4.625%
HK$122,004
+HK$6,109/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,790/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,409 · Scale 2, in force from 26 Feb 2026)