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$54,866
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,573
−HK$1,734/mo
Today · 4.125%
HK$58,307
baseline
▲ 0.50% · 4.625%
HK$61,855
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,614/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,038
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,675
−HK$1,661/mo
Today · 4.125%
HK$64,336
baseline
▲ 0.50% · 4.625%
HK$67,727
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,672/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,840
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,888
−HK$2,080/mo
Today · 4.125%
HK$69,968
baseline
▲ 0.50% · 4.625%
HK$74,226
+HK$4,258/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$139,936/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,246
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,210
−HK$1,993/mo
Today · 4.125%
HK$77,203
baseline
▲ 0.50% · 4.625%
HK$81,273
+HK$4,070/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$154,406/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,813
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,202
−HK$2,428/mo
Today · 4.125%
HK$81,630
baseline
▲ 0.50% · 4.625%
HK$86,597
+HK$4,967/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,260/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,454
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,746
−HK$2,325/mo
Today · 4.125%
HK$90,071
baseline
▲ 0.50% · 4.625%
HK$94,818
+HK$4,747/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,142/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,760
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,832
−HK$3,121/mo
Today · 4.125%
HK$104,953
baseline
▲ 0.50% · 4.625%
HK$111,339
+HK$6,386/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,906/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,869
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,816
−HK$2,989/mo
Today · 4.125%
HK$115,805
baseline
▲ 0.50% · 4.625%
HK$121,909
+HK$6,104/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,610/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,616 · Scale 2, in force from 26 Feb 2026)