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$54,847
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,553
−HK$1,733/mo
Today · 4.125%
HK$58,286
baseline
▲ 0.50% · 4.625%
HK$61,833
+HK$3,547/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,572/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,016
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,653
−HK$1,660/mo
Today · 4.125%
HK$64,313
baseline
▲ 0.50% · 4.625%
HK$67,703
+HK$3,390/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,626/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,816
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,863
−HK$2,080/mo
Today · 4.125%
HK$69,943
baseline
▲ 0.50% · 4.625%
HK$74,199
+HK$4,256/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,886/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,220
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,183
−HK$1,993/mo
Today · 4.125%
HK$77,176
baseline
▲ 0.50% · 4.625%
HK$81,244
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,352/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,785
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,174
−HK$2,427/mo
Today · 4.125%
HK$81,601
baseline
▲ 0.50% · 4.625%
HK$86,566
+HK$4,965/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,202/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,423
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,714
−HK$2,324/mo
Today · 4.125%
HK$90,038
baseline
▲ 0.50% · 4.625%
HK$94,784
+HK$4,746/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,076/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,724
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,795
−HK$3,120/mo
Today · 4.125%
HK$104,915
baseline
▲ 0.50% · 4.625%
HK$111,299
+HK$6,384/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,830/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,830
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,775
−HK$2,988/mo
Today · 4.125%
HK$115,763
baseline
▲ 0.50% · 4.625%
HK$121,865
+HK$6,102/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,526/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,248 · Scale 2, in force from 26 Feb 2026)