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$54,915
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,623
−HK$1,736/mo
Today · 4.125%
HK$58,359
baseline
▲ 0.50% · 4.625%
HK$61,909
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,718/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,092
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,731
−HK$1,662/mo
Today · 4.125%
HK$64,393
baseline
▲ 0.50% · 4.625%
HK$67,787
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,786/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,898
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,948
−HK$2,082/mo
Today · 4.125%
HK$70,030
baseline
▲ 0.50% · 4.625%
HK$74,291
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,060/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,311
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,277
−HK$1,994/mo
Today · 4.125%
HK$77,271
baseline
▲ 0.50% · 4.625%
HK$81,345
+HK$4,074/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,542/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,881
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,272
−HK$2,430/mo
Today · 4.125%
HK$81,702
baseline
▲ 0.50% · 4.625%
HK$86,673
+HK$4,971/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$163,404/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,529
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,823
−HK$2,327/mo
Today · 4.125%
HK$90,150
baseline
▲ 0.50% · 4.625%
HK$94,902
+HK$4,752/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$180,300/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,847
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,921
−HK$3,124/mo
Today · 4.125%
HK$105,045
baseline
▲ 0.50% · 4.625%
HK$111,437
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,090/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,966
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,915
−HK$2,992/mo
Today · 4.125%
HK$115,907
baseline
▲ 0.50% · 4.625%
HK$122,017
+HK$6,110/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,814/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,518 · Scale 2, in force from 26 Feb 2026)