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$54,932
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,641
−HK$1,736/mo
Today · 4.125%
HK$58,377
baseline
▲ 0.50% · 4.625%
HK$61,929
+HK$3,552/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,754/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,111
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,750
−HK$1,663/mo
Today · 4.125%
HK$64,413
baseline
▲ 0.50% · 4.625%
HK$67,808
+HK$3,395/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,826/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,919
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,969
−HK$2,083/mo
Today · 4.125%
HK$70,052
baseline
▲ 0.50% · 4.625%
HK$74,315
+HK$4,263/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$140,104/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,334
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,300
−HK$1,996/mo
Today · 4.125%
HK$77,296
baseline
▲ 0.50% · 4.625%
HK$81,370
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$154,592/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,905
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,297
−HK$2,431/mo
Today · 4.125%
HK$81,728
baseline
▲ 0.50% · 4.625%
HK$86,700
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,456/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,556
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,851
−HK$2,327/mo
Today · 4.125%
HK$90,178
baseline
▲ 0.50% · 4.625%
HK$94,932
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,356/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,878
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,953
−HK$3,125/mo
Today · 4.125%
HK$105,078
baseline
▲ 0.50% · 4.625%
HK$111,472
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,156/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,001
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,951
−HK$2,992/mo
Today · 4.125%
HK$115,943
baseline
▲ 0.50% · 4.625%
HK$122,055
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,886/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,839 · Scale 2, in force from 26 Feb 2026)