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$54,943
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,652
−HK$1,736/mo
Today · 4.125%
HK$58,388
baseline
▲ 0.50% · 4.625%
HK$61,941
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,776/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,123
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,763
−HK$1,663/mo
Today · 4.125%
HK$64,426
baseline
▲ 0.50% · 4.625%
HK$67,822
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,852/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,931
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,982
−HK$2,084/mo
Today · 4.125%
HK$70,066
baseline
▲ 0.50% · 4.625%
HK$74,329
+HK$4,263/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,132/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,348
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,315
−HK$1,996/mo
Today · 4.125%
HK$77,311
baseline
▲ 0.50% · 4.625%
HK$81,386
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,622/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,920
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,313
−HK$2,430/mo
Today · 4.125%
HK$81,743
baseline
▲ 0.50% · 4.625%
HK$86,717
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,486/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,573
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,868
−HK$2,328/mo
Today · 4.125%
HK$90,196
baseline
▲ 0.50% · 4.625%
HK$94,950
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,392/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,897
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,973
−HK$3,126/mo
Today · 4.125%
HK$105,099
baseline
▲ 0.50% · 4.625%
HK$111,494
+HK$6,395/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,198/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,022
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,973
−HK$2,993/mo
Today · 4.125%
HK$115,966
baseline
▲ 0.50% · 4.625%
HK$122,079
+HK$6,113/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,932/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,038 · Scale 2, in force from 26 Feb 2026)