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$54,919
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,627
−HK$1,736/mo
Today · 4.125%
HK$58,363
baseline
▲ 0.50% · 4.625%
HK$61,914
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,726/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,097
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,735
−HK$1,663/mo
Today · 4.125%
HK$64,398
baseline
▲ 0.50% · 4.625%
HK$67,792
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,796/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,903
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,953
−HK$2,082/mo
Today · 4.125%
HK$70,035
baseline
▲ 0.50% · 4.625%
HK$74,297
+HK$4,262/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,070/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,316
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,282
−HK$1,995/mo
Today · 4.125%
HK$77,277
baseline
▲ 0.50% · 4.625%
HK$81,350
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,554/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,886
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,278
−HK$2,430/mo
Today · 4.125%
HK$81,708
baseline
▲ 0.50% · 4.625%
HK$86,680
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,416/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,535
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,829
−HK$2,328/mo
Today · 4.125%
HK$90,157
baseline
▲ 0.50% · 4.625%
HK$94,909
+HK$4,752/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,314/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,854
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,929
−HK$3,124/mo
Today · 4.125%
HK$105,053
baseline
▲ 0.50% · 4.625%
HK$111,445
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,106/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,974
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,924
−HK$2,992/mo
Today · 4.125%
HK$115,916
baseline
▲ 0.50% · 4.625%
HK$122,026
+HK$6,110/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,832/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,593 · Scale 2, in force from 26 Feb 2026)