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$54,924
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,633
−HK$1,736/mo
Today · 4.125%
HK$58,369
baseline
▲ 0.50% · 4.625%
HK$61,920
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,738/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,103
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,741
−HK$1,663/mo
Today · 4.125%
HK$64,404
baseline
▲ 0.50% · 4.625%
HK$67,799
+HK$3,395/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,808/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,909
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,959
−HK$2,083/mo
Today · 4.125%
HK$70,042
baseline
▲ 0.50% · 4.625%
HK$74,304
+HK$4,262/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,084/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,323
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,290
−HK$1,995/mo
Today · 4.125%
HK$77,285
baseline
▲ 0.50% · 4.625%
HK$81,358
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,570/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,894
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,286
−HK$2,430/mo
Today · 4.125%
HK$81,716
baseline
▲ 0.50% · 4.625%
HK$86,688
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,432/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,544
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,838
−HK$2,327/mo
Today · 4.125%
HK$90,165
baseline
▲ 0.50% · 4.625%
HK$94,918
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,330/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,864
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,939
−HK$3,124/mo
Today · 4.125%
HK$105,063
baseline
▲ 0.50% · 4.625%
HK$111,456
+HK$6,393/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,126/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,985
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,935
−HK$2,992/mo
Today · 4.125%
HK$115,927
baseline
▲ 0.50% · 4.625%
HK$122,038
+HK$6,111/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,854/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,693 · Scale 2, in force from 26 Feb 2026)