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$54,865
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,572
−HK$1,734/mo
Today · 4.125%
HK$58,306
baseline
▲ 0.50% · 4.625%
HK$61,854
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,612/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,037
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,674
−HK$1,661/mo
Today · 4.125%
HK$64,335
baseline
▲ 0.50% · 4.625%
HK$67,726
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,670/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,838
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,886
−HK$2,081/mo
Today · 4.125%
HK$69,967
baseline
▲ 0.50% · 4.625%
HK$74,224
+HK$4,257/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$139,934/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,244
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,209
−HK$1,993/mo
Today · 4.125%
HK$77,202
baseline
▲ 0.50% · 4.625%
HK$81,271
+HK$4,069/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$154,404/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,811
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,201
−HK$2,427/mo
Today · 4.125%
HK$81,628
baseline
▲ 0.50% · 4.625%
HK$86,595
+HK$4,967/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,256/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,452
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,744
−HK$2,325/mo
Today · 4.125%
HK$90,069
baseline
▲ 0.50% · 4.625%
HK$94,816
+HK$4,747/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,138/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,757
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,829
−HK$3,121/mo
Today · 4.125%
HK$104,950
baseline
▲ 0.50% · 4.625%
HK$111,336
+HK$6,386/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,900/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,867
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,813
−HK$2,989/mo
Today · 4.125%
HK$115,802
baseline
▲ 0.50% · 4.625%
HK$121,907
+HK$6,105/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,604/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,593 · Scale 2, in force from 26 Feb 2026)