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$54,964
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,674
−HK$1,737/mo
Today · 4.125%
HK$58,411
baseline
▲ 0.50% · 4.625%
HK$61,965
+HK$3,554/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,822/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,147
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,787
−HK$1,664/mo
Today · 4.125%
HK$64,451
baseline
▲ 0.50% · 4.625%
HK$67,848
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,902/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,957
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,009
−HK$2,084/mo
Today · 4.125%
HK$70,093
baseline
▲ 0.50% · 4.625%
HK$74,358
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,186/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,377
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,344
−HK$1,997/mo
Today · 4.125%
HK$77,341
baseline
▲ 0.50% · 4.625%
HK$81,418
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,682/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,950
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,343
−HK$2,432/mo
Today · 4.125%
HK$81,775
baseline
▲ 0.50% · 4.625%
HK$86,751
+HK$4,976/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,550/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,606
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,902
−HK$2,329/mo
Today · 4.125%
HK$90,231
baseline
▲ 0.50% · 4.625%
HK$94,987
+HK$4,756/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,462/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,936
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,013
−HK$3,127/mo
Today · 4.125%
HK$105,140
baseline
▲ 0.50% · 4.625%
HK$111,537
+HK$6,397/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,280/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,065
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,017
−HK$2,994/mo
Today · 4.125%
HK$116,011
baseline
▲ 0.50% · 4.625%
HK$122,126
+HK$6,115/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$232,022/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,437 · Scale 2, in force from 26 Feb 2026)