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$54,863
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,569
−HK$1,734/mo
Today · 4.125%
HK$58,303
baseline
▲ 0.50% · 4.625%
HK$61,851
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,606/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,034
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,671
−HK$1,661/mo
Today · 4.125%
HK$64,332
baseline
▲ 0.50% · 4.625%
HK$67,723
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,664/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,835
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,883
−HK$2,081/mo
Today · 4.125%
HK$69,964
baseline
▲ 0.50% · 4.625%
HK$74,221
+HK$4,257/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$139,928/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,241
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,205
−HK$1,993/mo
Today · 4.125%
HK$77,198
baseline
▲ 0.50% · 4.625%
HK$81,267
+HK$4,069/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$154,396/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,808
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,197
−HK$2,427/mo
Today · 4.125%
HK$81,624
baseline
▲ 0.50% · 4.625%
HK$86,591
+HK$4,967/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,248/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,448
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,739
−HK$2,325/mo
Today · 4.125%
HK$90,064
baseline
▲ 0.50% · 4.625%
HK$94,812
+HK$4,748/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,128/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,753
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,825
−HK$3,120/mo
Today · 4.125%
HK$104,945
baseline
▲ 0.50% · 4.625%
HK$111,331
+HK$6,386/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,890/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,861
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,808
−HK$2,989/mo
Today · 4.125%
HK$115,797
baseline
▲ 0.50% · 4.625%
HK$121,901
+HK$6,104/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,594/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,544 · Scale 2, in force from 26 Feb 2026)