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$54,896
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,604
−HK$1,735/mo
Today · 4.125%
HK$58,339
baseline
▲ 0.50% · 4.625%
HK$61,889
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,678/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,072
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,710
−HK$1,661/mo
Today · 4.125%
HK$64,371
baseline
▲ 0.50% · 4.625%
HK$67,764
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,742/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,876
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,925
−HK$2,082/mo
Today · 4.125%
HK$70,007
baseline
▲ 0.50% · 4.625%
HK$74,266
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$140,014/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,286
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,251
−HK$1,994/mo
Today · 4.125%
HK$77,245
baseline
▲ 0.50% · 4.625%
HK$81,317
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,490/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,855
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,246
−HK$2,428/mo
Today · 4.125%
HK$81,674
baseline
▲ 0.50% · 4.625%
HK$86,644
+HK$4,970/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,348/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,500
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,793
−HK$2,327/mo
Today · 4.125%
HK$90,120
baseline
▲ 0.50% · 4.625%
HK$94,870
+HK$4,750/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,240/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,813
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,887
−HK$3,123/mo
Today · 4.125%
HK$105,010
baseline
▲ 0.50% · 4.625%
HK$111,400
+HK$6,390/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,020/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,929
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,877
−HK$2,991/mo
Today · 4.125%
HK$115,868
baseline
▲ 0.50% · 4.625%
HK$121,976
+HK$6,108/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,736/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,173 · Scale 2, in force from 26 Feb 2026)