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$54,753
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,456
−HK$1,730/mo
Today · 4.125%
HK$58,186
baseline
▲ 0.50% · 4.625%
HK$61,727
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,372/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,912
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,545
−HK$1,658/mo
Today · 4.125%
HK$64,203
baseline
▲ 0.50% · 4.625%
HK$67,587
+HK$3,384/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,406/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,703
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,747
−HK$2,076/mo
Today · 4.125%
HK$69,823
baseline
▲ 0.50% · 4.625%
HK$74,072
+HK$4,249/mo
Deposit HK$9.60M · loan HK$14.41M · min. income ≈ HK$139,646/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,094
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,054
−HK$1,989/mo
Today · 4.125%
HK$77,043
baseline
▲ 0.50% · 4.625%
HK$81,104
+HK$4,061/mo
Deposit HK$9.60M · loan HK$14.41M · min. income ≈ HK$154,086/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,654
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,038
−HK$2,423/mo
Today · 4.125%
HK$81,461
baseline
▲ 0.50% · 4.625%
HK$86,417
+HK$4,956/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,922/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,276
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,564
−HK$2,320/mo
Today · 4.125%
HK$89,884
baseline
▲ 0.50% · 4.625%
HK$94,622
+HK$4,738/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,768/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,555
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,620
−HK$3,115/mo
Today · 4.125%
HK$104,735
baseline
▲ 0.50% · 4.625%
HK$111,108
+HK$6,373/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,470/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,641
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,582
−HK$2,983/mo
Today · 4.125%
HK$115,565
baseline
▲ 0.50% · 4.625%
HK$121,656
+HK$6,091/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,130/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,494 · Scale 2, in force from 26 Feb 2026)