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$54,844
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,550
−HK$1,733/mo
Today · 4.125%
HK$58,283
baseline
▲ 0.50% · 4.625%
HK$61,830
+HK$3,547/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,566/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,014
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,650
−HK$1,660/mo
Today · 4.125%
HK$64,310
baseline
▲ 0.50% · 4.625%
HK$67,700
+HK$3,390/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,620/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,813
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,860
−HK$2,080/mo
Today · 4.125%
HK$69,940
baseline
▲ 0.50% · 4.625%
HK$74,196
+HK$4,256/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,880/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,216
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,180
−HK$1,992/mo
Today · 4.125%
HK$77,172
baseline
▲ 0.50% · 4.625%
HK$81,240
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,344/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,782
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,170
−HK$2,427/mo
Today · 4.125%
HK$81,597
baseline
▲ 0.50% · 4.625%
HK$86,562
+HK$4,965/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,194/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,419
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,710
−HK$2,324/mo
Today · 4.125%
HK$90,034
baseline
▲ 0.50% · 4.625%
HK$94,780
+HK$4,746/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,068/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,720
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,790
−HK$3,120/mo
Today · 4.125%
HK$104,910
baseline
▲ 0.50% · 4.625%
HK$111,294
+HK$6,384/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,820/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,824
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,770
−HK$2,988/mo
Today · 4.125%
HK$115,758
baseline
▲ 0.50% · 4.625%
HK$121,860
+HK$6,102/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,516/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,200 · Scale 2, in force from 26 Feb 2026)