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$54,782
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,486
−HK$1,731/mo
Today · 4.125%
HK$58,217
baseline
▲ 0.50% · 4.625%
HK$61,759
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,434/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,944
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,579
−HK$1,658/mo
Today · 4.125%
HK$64,237
baseline
▲ 0.50% · 4.625%
HK$67,623
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,474/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,738
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,783
−HK$2,077/mo
Today · 4.125%
HK$69,860
baseline
▲ 0.50% · 4.625%
HK$74,111
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,720/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,133
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,094
−HK$1,990/mo
Today · 4.125%
HK$77,084
baseline
▲ 0.50% · 4.625%
HK$81,147
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,168/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,694
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,080
−HK$2,424/mo
Today · 4.125%
HK$81,504
baseline
▲ 0.50% · 4.625%
HK$86,463
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,008/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,322
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,610
−HK$2,321/mo
Today · 4.125%
HK$89,931
baseline
▲ 0.50% · 4.625%
HK$94,672
+HK$4,741/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,862/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,607
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,674
−HK$3,117/mo
Today · 4.125%
HK$104,791
baseline
▲ 0.50% · 4.625%
HK$111,167
+HK$6,376/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,582/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,699
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,641
−HK$2,985/mo
Today · 4.125%
HK$115,626
baseline
▲ 0.50% · 4.625%
HK$121,721
+HK$6,095/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,252/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,035 · Scale 2, in force from 26 Feb 2026)