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$54,982
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,692
−HK$1,738/mo
Today · 4.125%
HK$58,430
baseline
▲ 0.50% · 4.625%
HK$61,985
+HK$3,555/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,860/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,167
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,807
−HK$1,664/mo
Today · 4.125%
HK$64,471
baseline
▲ 0.50% · 4.625%
HK$67,870
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,942/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,978
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,031
−HK$2,085/mo
Today · 4.125%
HK$70,116
baseline
▲ 0.50% · 4.625%
HK$74,382
+HK$4,266/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$140,232/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,400
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,369
−HK$1,997/mo
Today · 4.125%
HK$77,366
baseline
▲ 0.50% · 4.625%
HK$81,444
+HK$4,078/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$154,732/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,975
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,369
−HK$2,433/mo
Today · 4.125%
HK$81,802
baseline
▲ 0.50% · 4.625%
HK$86,779
+HK$4,977/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,604/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,634
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,930
−HK$2,330/mo
Today · 4.125%
HK$90,260
baseline
▲ 0.50% · 4.625%
HK$95,018
+HK$4,758/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,520/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,967
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,046
−HK$3,128/mo
Today · 4.125%
HK$105,174
baseline
▲ 0.50% · 4.625%
HK$111,573
+HK$6,399/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,348/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,100
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,053
−HK$2,996/mo
Today · 4.125%
HK$116,049
baseline
▲ 0.50% · 4.625%
HK$122,166
+HK$6,117/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,098/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,768 · Scale 2, in force from 26 Feb 2026)