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$54,786
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,491
−HK$1,731/mo
Today · 4.125%
HK$58,222
baseline
▲ 0.50% · 4.625%
HK$61,765
+HK$3,543/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,444/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,949
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,584
−HK$1,658/mo
Today · 4.125%
HK$64,242
baseline
▲ 0.50% · 4.625%
HK$67,628
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,484/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,744
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,789
−HK$2,077/mo
Today · 4.125%
HK$69,866
baseline
▲ 0.50% · 4.625%
HK$74,118
+HK$4,252/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,732/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,139
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,101
−HK$1,990/mo
Today · 4.125%
HK$77,091
baseline
▲ 0.50% · 4.625%
HK$81,154
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,182/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,701
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,087
−HK$2,424/mo
Today · 4.125%
HK$81,511
baseline
▲ 0.50% · 4.625%
HK$86,470
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,022/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,329
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,618
−HK$2,321/mo
Today · 4.125%
HK$89,939
baseline
▲ 0.50% · 4.625%
HK$94,680
+HK$4,741/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,878/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,615
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,683
−HK$3,117/mo
Today · 4.125%
HK$104,800
baseline
▲ 0.50% · 4.625%
HK$111,176
+HK$6,376/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,600/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,709
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,651
−HK$2,985/mo
Today · 4.125%
HK$115,636
baseline
▲ 0.50% · 4.625%
HK$121,731
+HK$6,095/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,272/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,123 · Scale 2, in force from 26 Feb 2026)