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$54,849
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,555
−HK$1,734/mo
Today · 4.125%
HK$58,289
baseline
▲ 0.50% · 4.625%
HK$61,835
+HK$3,546/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,578/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,019
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,656
−HK$1,660/mo
Today · 4.125%
HK$64,316
baseline
▲ 0.50% · 4.625%
HK$67,706
+HK$3,390/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,632/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,819
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,866
−HK$2,080/mo
Today · 4.125%
HK$69,946
baseline
▲ 0.50% · 4.625%
HK$74,202
+HK$4,256/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,892/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,223
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,187
−HK$1,992/mo
Today · 4.125%
HK$77,179
baseline
▲ 0.50% · 4.625%
HK$81,247
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,358/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,789
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,177
−HK$2,427/mo
Today · 4.125%
HK$81,604
baseline
▲ 0.50% · 4.625%
HK$86,570
+HK$4,966/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,208/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,427
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,718
−HK$2,324/mo
Today · 4.125%
HK$90,042
baseline
▲ 0.50% · 4.625%
HK$94,788
+HK$4,746/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,084/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,728
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,799
−HK$3,121/mo
Today · 4.125%
HK$104,920
baseline
▲ 0.50% · 4.625%
HK$111,304
+HK$6,384/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,840/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,834
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,780
−HK$2,988/mo
Today · 4.125%
HK$115,768
baseline
▲ 0.50% · 4.625%
HK$121,871
+HK$6,103/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,536/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,292 · Scale 2, in force from 26 Feb 2026)