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$54,756
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,459
−HK$1,731/mo
Today · 4.125%
HK$58,190
baseline
▲ 0.50% · 4.625%
HK$61,730
+HK$3,540/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,380/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,916
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,549
−HK$1,658/mo
Today · 4.125%
HK$64,207
baseline
▲ 0.50% · 4.625%
HK$67,591
+HK$3,384/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,414/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,707
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,751
−HK$2,077/mo
Today · 4.125%
HK$69,828
baseline
▲ 0.50% · 4.625%
HK$74,077
+HK$4,249/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,656/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,099
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,059
−HK$1,989/mo
Today · 4.125%
HK$77,048
baseline
▲ 0.50% · 4.625%
HK$81,109
+HK$4,061/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,096/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,658
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,043
−HK$2,423/mo
Today · 4.125%
HK$81,466
baseline
▲ 0.50% · 4.625%
HK$86,423
+HK$4,957/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,932/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,282
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,569
−HK$2,320/mo
Today · 4.125%
HK$89,889
baseline
▲ 0.50% · 4.625%
HK$94,628
+HK$4,739/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,778/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,561
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,627
−HK$3,115/mo
Today · 4.125%
HK$104,742
baseline
▲ 0.50% · 4.625%
HK$111,115
+HK$6,373/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,484/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,648
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,589
−HK$2,983/mo
Today · 4.125%
HK$115,572
baseline
▲ 0.50% · 4.625%
HK$121,664
+HK$6,092/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,144/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,558 · Scale 2, in force from 26 Feb 2026)