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$54,918
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,626
−HK$1,736/mo
Today · 4.125%
HK$58,362
baseline
▲ 0.50% · 4.625%
HK$61,913
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,724/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,096
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,735
−HK$1,662/mo
Today · 4.125%
HK$64,397
baseline
▲ 0.50% · 4.625%
HK$67,791
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,794/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,902
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,952
−HK$2,082/mo
Today · 4.125%
HK$70,034
baseline
▲ 0.50% · 4.625%
HK$74,296
+HK$4,262/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,068/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,315
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,281
−HK$1,995/mo
Today · 4.125%
HK$77,276
baseline
▲ 0.50% · 4.625%
HK$81,349
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,552/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,885
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,277
−HK$2,430/mo
Today · 4.125%
HK$81,707
baseline
▲ 0.50% · 4.625%
HK$86,679
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,414/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,534
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,828
−HK$2,327/mo
Today · 4.125%
HK$90,155
baseline
▲ 0.50% · 4.625%
HK$94,908
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,310/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,853
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,928
−HK$3,124/mo
Today · 4.125%
HK$105,052
baseline
▲ 0.50% · 4.625%
HK$111,444
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,104/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,973
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,922
−HK$2,992/mo
Today · 4.125%
HK$115,914
baseline
▲ 0.50% · 4.625%
HK$122,024
+HK$6,110/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,828/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,580 · Scale 2, in force from 26 Feb 2026)