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$54,887
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,595
−HK$1,734/mo
Today · 4.125%
HK$58,329
baseline
▲ 0.50% · 4.625%
HK$61,878
+HK$3,549/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,658/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,062
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,699
−HK$1,661/mo
Today · 4.125%
HK$64,360
baseline
▲ 0.50% · 4.625%
HK$67,753
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,720/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,865
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,913
−HK$2,082/mo
Today · 4.125%
HK$69,995
baseline
▲ 0.50% · 4.625%
HK$74,254
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,990/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,274
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,239
−HK$1,994/mo
Today · 4.125%
HK$77,233
baseline
▲ 0.50% · 4.625%
HK$81,304
+HK$4,071/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,466/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,842
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,232
−HK$2,429/mo
Today · 4.125%
HK$81,661
baseline
▲ 0.50% · 4.625%
HK$86,630
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,322/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,486
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,779
−HK$2,326/mo
Today · 4.125%
HK$90,105
baseline
▲ 0.50% · 4.625%
HK$94,854
+HK$4,749/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,210/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,797
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,870
−HK$3,123/mo
Today · 4.125%
HK$104,993
baseline
▲ 0.50% · 4.625%
HK$111,381
+HK$6,388/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,986/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,911
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,859
−HK$2,990/mo
Today · 4.125%
HK$115,849
baseline
▲ 0.50% · 4.625%
HK$121,955
+HK$6,106/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,698/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,003 · Scale 2, in force from 26 Feb 2026)