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$54,976
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,686
−HK$1,737/mo
Today · 4.125%
HK$58,423
baseline
▲ 0.50% · 4.625%
HK$61,978
+HK$3,555/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,846/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,160
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,800
−HK$1,664/mo
Today · 4.125%
HK$64,464
baseline
▲ 0.50% · 4.625%
HK$67,862
+HK$3,398/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,928/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,971
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,023
−HK$2,085/mo
Today · 4.125%
HK$70,108
baseline
▲ 0.50% · 4.625%
HK$74,374
+HK$4,266/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$140,216/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,392
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,360
−HK$1,997/mo
Today · 4.125%
HK$77,357
baseline
▲ 0.50% · 4.625%
HK$81,435
+HK$4,078/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$154,714/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,966
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,360
−HK$2,433/mo
Today · 4.125%
HK$81,793
baseline
▲ 0.50% · 4.625%
HK$86,769
+HK$4,976/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,586/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,624
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,920
−HK$2,330/mo
Today · 4.125%
HK$90,250
baseline
▲ 0.50% · 4.625%
HK$95,007
+HK$4,757/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,500/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,956
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,035
−HK$3,127/mo
Today · 4.125%
HK$105,162
baseline
▲ 0.50% · 4.625%
HK$111,561
+HK$6,399/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,324/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,088
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,041
−HK$2,995/mo
Today · 4.125%
HK$116,036
baseline
▲ 0.50% · 4.625%
HK$122,152
+HK$6,116/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,072/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,654 · Scale 2, in force from 26 Feb 2026)