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$54,761
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,464
−HK$1,731/mo
Today · 4.125%
HK$58,195
baseline
▲ 0.50% · 4.625%
HK$61,736
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,390/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,921
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,555
−HK$1,657/mo
Today · 4.125%
HK$64,212
baseline
▲ 0.50% · 4.625%
HK$67,597
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,424/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,713
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,757
−HK$2,077/mo
Today · 4.125%
HK$69,834
baseline
▲ 0.50% · 4.625%
HK$74,083
+HK$4,249/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,668/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,105
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,066
−HK$1,989/mo
Today · 4.125%
HK$77,055
baseline
▲ 0.50% · 4.625%
HK$81,117
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,110/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,665
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,050
−HK$2,423/mo
Today · 4.125%
HK$81,473
baseline
▲ 0.50% · 4.625%
HK$86,430
+HK$4,957/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,946/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,290
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,577
−HK$2,320/mo
Today · 4.125%
HK$89,897
baseline
▲ 0.50% · 4.625%
HK$94,636
+HK$4,739/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,794/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,570
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,636
−HK$3,115/mo
Today · 4.125%
HK$104,751
baseline
▲ 0.50% · 4.625%
HK$111,125
+HK$6,374/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,502/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,658
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,599
−HK$2,983/mo
Today · 4.125%
HK$115,582
baseline
▲ 0.50% · 4.625%
HK$121,675
+HK$6,093/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,164/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,651 · Scale 2, in force from 26 Feb 2026)