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$54,860
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,566
−HK$1,734/mo
Today · 4.125%
HK$58,300
baseline
▲ 0.50% · 4.625%
HK$61,847
+HK$3,547/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,600/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,031
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,668
−HK$1,660/mo
Today · 4.125%
HK$64,328
baseline
▲ 0.50% · 4.625%
HK$67,719
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,656/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,832
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,879
−HK$2,081/mo
Today · 4.125%
HK$69,960
baseline
▲ 0.50% · 4.625%
HK$74,217
+HK$4,257/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$139,920/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,237
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,201
−HK$1,993/mo
Today · 4.125%
HK$77,194
baseline
▲ 0.50% · 4.625%
HK$81,263
+HK$4,069/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$154,388/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,804
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,193
−HK$2,427/mo
Today · 4.125%
HK$81,620
baseline
▲ 0.50% · 4.625%
HK$86,586
+HK$4,966/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,240/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,443
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,735
−HK$2,325/mo
Today · 4.125%
HK$90,060
baseline
▲ 0.50% · 4.625%
HK$94,807
+HK$4,747/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,120/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,748
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,819
−HK$3,121/mo
Today · 4.125%
HK$104,940
baseline
▲ 0.50% · 4.625%
HK$111,325
+HK$6,385/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,880/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,856
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,802
−HK$2,989/mo
Today · 4.125%
HK$115,791
baseline
▲ 0.50% · 4.625%
HK$121,894
+HK$6,103/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,582/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,490 · Scale 2, in force from 26 Feb 2026)