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$54,882
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,589
−HK$1,734/mo
Today · 4.125%
HK$58,323
baseline
▲ 0.50% · 4.625%
HK$61,872
+HK$3,549/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,646/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,055
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,693
−HK$1,661/mo
Today · 4.125%
HK$64,354
baseline
▲ 0.50% · 4.625%
HK$67,746
+HK$3,392/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,708/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,858
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,906
−HK$2,082/mo
Today · 4.125%
HK$69,988
baseline
▲ 0.50% · 4.625%
HK$74,246
+HK$4,258/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,976/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,266
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,231
−HK$1,994/mo
Today · 4.125%
HK$77,225
baseline
▲ 0.50% · 4.625%
HK$81,295
+HK$4,070/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,450/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,834
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,224
−HK$2,428/mo
Today · 4.125%
HK$81,652
baseline
▲ 0.50% · 4.625%
HK$86,621
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,304/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,477
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,770
−HK$2,325/mo
Today · 4.125%
HK$90,095
baseline
▲ 0.50% · 4.625%
HK$94,844
+HK$4,749/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,190/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,787
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,860
−HK$3,122/mo
Today · 4.125%
HK$104,982
baseline
▲ 0.50% · 4.625%
HK$111,370
+HK$6,388/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,964/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,899
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,847
−HK$2,990/mo
Today · 4.125%
HK$115,837
baseline
▲ 0.50% · 4.625%
HK$121,943
+HK$6,106/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,674/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,897 · Scale 2, in force from 26 Feb 2026)