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$54,929
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,638
−HK$1,735/mo
Today · 4.125%
HK$58,373
baseline
▲ 0.50% · 4.625%
HK$61,925
+HK$3,552/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,746/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,108
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,747
−HK$1,662/mo
Today · 4.125%
HK$64,409
baseline
▲ 0.50% · 4.625%
HK$67,804
+HK$3,395/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,818/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,915
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,965
−HK$2,083/mo
Today · 4.125%
HK$70,048
baseline
▲ 0.50% · 4.625%
HK$74,310
+HK$4,262/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$140,096/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,329
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,296
−HK$1,995/mo
Today · 4.125%
HK$77,291
baseline
▲ 0.50% · 4.625%
HK$81,365
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$154,582/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,900
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,293
−HK$2,430/mo
Today · 4.125%
HK$81,723
baseline
▲ 0.50% · 4.625%
HK$86,695
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,446/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,551
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,845
−HK$2,328/mo
Today · 4.125%
HK$90,173
baseline
▲ 0.50% · 4.625%
HK$94,926
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,346/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,872
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,948
−HK$3,124/mo
Today · 4.125%
HK$105,072
baseline
▲ 0.50% · 4.625%
HK$111,466
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,144/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,994
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,944
−HK$2,993/mo
Today · 4.125%
HK$115,937
baseline
▲ 0.50% · 4.625%
HK$122,048
+HK$6,111/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,874/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,779 · Scale 2, in force from 26 Feb 2026)