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$54,763
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,467
−HK$1,730/mo
Today · 4.125%
HK$58,197
baseline
▲ 0.50% · 4.625%
HK$61,739
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,394/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,924
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,558
−HK$1,657/mo
Today · 4.125%
HK$64,215
baseline
▲ 0.50% · 4.625%
HK$67,600
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,430/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,716
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,760
−HK$2,077/mo
Today · 4.125%
HK$69,837
baseline
▲ 0.50% · 4.625%
HK$74,086
+HK$4,249/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,674/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,108
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,069
−HK$1,989/mo
Today · 4.125%
HK$77,058
baseline
▲ 0.50% · 4.625%
HK$81,120
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,116/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,669
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,053
−HK$2,423/mo
Today · 4.125%
HK$81,476
baseline
▲ 0.50% · 4.625%
HK$86,434
+HK$4,958/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,952/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,293
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,581
−HK$2,320/mo
Today · 4.125%
HK$89,901
baseline
▲ 0.50% · 4.625%
HK$94,640
+HK$4,739/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,802/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,574
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,640
−HK$3,115/mo
Today · 4.125%
HK$104,755
baseline
▲ 0.50% · 4.625%
HK$111,130
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,510/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,663
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,604
−HK$2,983/mo
Today · 4.125%
HK$115,587
baseline
▲ 0.50% · 4.625%
HK$121,680
+HK$6,093/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,174/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,693 · Scale 2, in force from 26 Feb 2026)