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$54,789
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,494
−HK$1,731/mo
Today · 4.125%
HK$58,225
baseline
▲ 0.50% · 4.625%
HK$61,768
+HK$3,543/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,450/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,953
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,587
−HK$1,659/mo
Today · 4.125%
HK$64,246
baseline
▲ 0.50% · 4.625%
HK$67,632
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,492/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,747
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,792
−HK$2,078/mo
Today · 4.125%
HK$69,870
baseline
▲ 0.50% · 4.625%
HK$74,122
+HK$4,252/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,740/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,143
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,105
−HK$1,990/mo
Today · 4.125%
HK$77,095
baseline
▲ 0.50% · 4.625%
HK$81,159
+HK$4,064/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,190/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,705
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,091
−HK$2,424/mo
Today · 4.125%
HK$81,515
baseline
▲ 0.50% · 4.625%
HK$86,475
+HK$4,960/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,030/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,334
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,622
−HK$2,322/mo
Today · 4.125%
HK$89,944
baseline
▲ 0.50% · 4.625%
HK$94,685
+HK$4,741/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,888/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,621
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,689
−HK$3,116/mo
Today · 4.125%
HK$104,805
baseline
▲ 0.50% · 4.625%
HK$111,183
+HK$6,378/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,610/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,715
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,657
−HK$2,985/mo
Today · 4.125%
HK$115,642
baseline
▲ 0.50% · 4.625%
HK$121,738
+HK$6,096/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,284/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,180 · Scale 2, in force from 26 Feb 2026)