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$54,924
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,632
−HK$1,736/mo
Today · 4.125%
HK$58,368
baseline
▲ 0.50% · 4.625%
HK$61,919
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,736/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,102
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,741
−HK$1,662/mo
Today · 4.125%
HK$64,403
baseline
▲ 0.50% · 4.625%
HK$67,798
+HK$3,395/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,806/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,908
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,959
−HK$2,083/mo
Today · 4.125%
HK$70,042
baseline
▲ 0.50% · 4.625%
HK$74,303
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,084/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,323
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,289
−HK$1,995/mo
Today · 4.125%
HK$77,284
baseline
▲ 0.50% · 4.625%
HK$81,358
+HK$4,074/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,568/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,893
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,285
−HK$2,430/mo
Today · 4.125%
HK$81,715
baseline
▲ 0.50% · 4.625%
HK$86,687
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,430/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,543
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,837
−HK$2,328/mo
Today · 4.125%
HK$90,165
baseline
▲ 0.50% · 4.625%
HK$94,917
+HK$4,752/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,330/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,863
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,938
−HK$3,124/mo
Today · 4.125%
HK$105,062
baseline
▲ 0.50% · 4.625%
HK$111,455
+HK$6,393/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,124/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,984
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,933
−HK$2,993/mo
Today · 4.125%
HK$115,926
baseline
▲ 0.50% · 4.625%
HK$122,036
+HK$6,110/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,852/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,683 · Scale 2, in force from 26 Feb 2026)