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$54,927
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,636
−HK$1,736/mo
Today · 4.125%
HK$58,372
baseline
▲ 0.50% · 4.625%
HK$61,924
+HK$3,552/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,744/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,106
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,745
−HK$1,663/mo
Today · 4.125%
HK$64,408
baseline
▲ 0.50% · 4.625%
HK$67,803
+HK$3,395/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,816/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,913
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,963
−HK$2,083/mo
Today · 4.125%
HK$70,046
baseline
▲ 0.50% · 4.625%
HK$74,308
+HK$4,262/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$140,092/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,327
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,294
−HK$1,995/mo
Today · 4.125%
HK$77,289
baseline
▲ 0.50% · 4.625%
HK$81,363
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$154,578/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,898
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,290
−HK$2,431/mo
Today · 4.125%
HK$81,721
baseline
▲ 0.50% · 4.625%
HK$86,693
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,442/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,549
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,843
−HK$2,328/mo
Today · 4.125%
HK$90,171
baseline
▲ 0.50% · 4.625%
HK$94,924
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,342/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,869
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,945
−HK$3,124/mo
Today · 4.125%
HK$105,069
baseline
▲ 0.50% · 4.625%
HK$111,463
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,138/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,991
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,941
−HK$2,993/mo
Today · 4.125%
HK$115,934
baseline
▲ 0.50% · 4.625%
HK$122,045
+HK$6,111/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,868/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,752 · Scale 2, in force from 26 Feb 2026)