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$54,989
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,700
−HK$1,738/mo
Today · 4.125%
HK$58,438
baseline
▲ 0.50% · 4.625%
HK$61,993
+HK$3,555/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,876/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,175
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,816
−HK$1,664/mo
Today · 4.125%
HK$64,480
baseline
▲ 0.50% · 4.625%
HK$67,879
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,960/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,987
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,040
−HK$2,085/mo
Today · 4.125%
HK$70,125
baseline
▲ 0.50% · 4.625%
HK$74,392
+HK$4,267/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,250/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,410
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,379
−HK$1,997/mo
Today · 4.125%
HK$77,376
baseline
▲ 0.50% · 4.625%
HK$81,455
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,752/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,985
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,380
−HK$2,433/mo
Today · 4.125%
HK$81,813
baseline
▲ 0.50% · 4.625%
HK$86,791
+HK$4,978/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,626/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,645
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,942
−HK$2,330/mo
Today · 4.125%
HK$90,272
baseline
▲ 0.50% · 4.625%
HK$95,030
+HK$4,758/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,544/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,981
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,060
−HK$3,128/mo
Today · 4.125%
HK$105,188
baseline
▲ 0.50% · 4.625%
HK$111,588
+HK$6,400/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,376/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,115
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,068
−HK$2,996/mo
Today · 4.125%
HK$116,064
baseline
▲ 0.50% · 4.625%
HK$122,182
+HK$6,118/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,128/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,904 · Scale 2, in force from 26 Feb 2026)