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$54,976
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,686
−HK$1,738/mo
Today · 4.125%
HK$58,424
baseline
▲ 0.50% · 4.625%
HK$61,979
+HK$3,555/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,848/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,160
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,801
−HK$1,664/mo
Today · 4.125%
HK$64,465
baseline
▲ 0.50% · 4.625%
HK$67,863
+HK$3,398/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,930/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,971
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,023
−HK$2,085/mo
Today · 4.125%
HK$70,108
baseline
▲ 0.50% · 4.625%
HK$74,374
+HK$4,266/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$140,216/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,392
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,361
−HK$1,997/mo
Today · 4.125%
HK$77,358
baseline
▲ 0.50% · 4.625%
HK$81,435
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$154,716/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,967
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,361
−HK$2,432/mo
Today · 4.125%
HK$81,793
baseline
▲ 0.50% · 4.625%
HK$86,770
+HK$4,977/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,586/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,625
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,921
−HK$2,330/mo
Today · 4.125%
HK$90,251
baseline
▲ 0.50% · 4.625%
HK$95,008
+HK$4,757/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,502/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,957
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,035
−HK$3,128/mo
Today · 4.125%
HK$105,163
baseline
▲ 0.50% · 4.625%
HK$111,561
+HK$6,398/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,326/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,089
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,041
−HK$2,995/mo
Today · 4.125%
HK$116,036
baseline
▲ 0.50% · 4.625%
HK$122,153
+HK$6,117/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,072/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,660 · Scale 2, in force from 26 Feb 2026)