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$54,798
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,502
−HK$1,732/mo
Today · 4.125%
HK$58,234
baseline
▲ 0.50% · 4.625%
HK$61,777
+HK$3,543/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,468/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,962
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,597
−HK$1,659/mo
Today · 4.125%
HK$64,256
baseline
▲ 0.50% · 4.625%
HK$67,643
+HK$3,387/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,512/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,757
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,803
−HK$2,078/mo
Today · 4.125%
HK$69,881
baseline
▲ 0.50% · 4.625%
HK$74,133
+HK$4,252/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,762/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,154
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,116
−HK$1,991/mo
Today · 4.125%
HK$77,107
baseline
▲ 0.50% · 4.625%
HK$81,171
+HK$4,064/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,214/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,717
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,103
−HK$2,425/mo
Today · 4.125%
HK$81,528
baseline
▲ 0.50% · 4.625%
HK$86,488
+HK$4,960/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,056/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,347
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,636
−HK$2,322/mo
Today · 4.125%
HK$89,958
baseline
▲ 0.50% · 4.625%
HK$94,700
+HK$4,742/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,916/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,636
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,704
−HK$3,117/mo
Today · 4.125%
HK$104,821
baseline
▲ 0.50% · 4.625%
HK$111,199
+HK$6,378/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,642/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,732
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,674
−HK$2,986/mo
Today · 4.125%
HK$115,660
baseline
▲ 0.50% · 4.625%
HK$121,757
+HK$6,097/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,320/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,335 · Scale 2, in force from 26 Feb 2026)