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$54,929
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,638
−HK$1,736/mo
Today · 4.125%
HK$58,374
baseline
▲ 0.50% · 4.625%
HK$61,926
+HK$3,552/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,748/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,108
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,747
−HK$1,663/mo
Today · 4.125%
HK$64,410
baseline
▲ 0.50% · 4.625%
HK$67,805
+HK$3,395/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,820/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,915
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,966
−HK$2,083/mo
Today · 4.125%
HK$70,049
baseline
▲ 0.50% · 4.625%
HK$74,311
+HK$4,262/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$140,098/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,330
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,297
−HK$1,995/mo
Today · 4.125%
HK$77,292
baseline
▲ 0.50% · 4.625%
HK$81,366
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$154,584/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,901
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,293
−HK$2,431/mo
Today · 4.125%
HK$81,724
baseline
▲ 0.50% · 4.625%
HK$86,696
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,448/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,552
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,846
−HK$2,328/mo
Today · 4.125%
HK$90,174
baseline
▲ 0.50% · 4.625%
HK$94,927
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,348/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,873
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,948
−HK$3,125/mo
Today · 4.125%
HK$105,073
baseline
▲ 0.50% · 4.625%
HK$111,467
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,146/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,995
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,945
−HK$2,993/mo
Today · 4.125%
HK$115,938
baseline
▲ 0.50% · 4.625%
HK$122,049
+HK$6,111/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,876/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,788 · Scale 2, in force from 26 Feb 2026)