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$54,904
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,612
−HK$1,735/mo
Today · 4.125%
HK$58,347
baseline
▲ 0.50% · 4.625%
HK$61,897
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,694/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,080
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,718
−HK$1,662/mo
Today · 4.125%
HK$64,380
baseline
▲ 0.50% · 4.625%
HK$67,774
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,760/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,885
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,934
−HK$2,082/mo
Today · 4.125%
HK$70,016
baseline
▲ 0.50% · 4.625%
HK$74,277
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,032/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,296
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,262
−HK$1,994/mo
Today · 4.125%
HK$77,256
baseline
▲ 0.50% · 4.625%
HK$81,328
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,512/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,866
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,257
−HK$2,429/mo
Today · 4.125%
HK$81,686
baseline
▲ 0.50% · 4.625%
HK$86,656
+HK$4,970/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,372/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,512
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,806
−HK$2,326/mo
Today · 4.125%
HK$90,132
baseline
▲ 0.50% · 4.625%
HK$94,883
+HK$4,751/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,264/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,827
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,901
−HK$3,124/mo
Today · 4.125%
HK$105,025
baseline
▲ 0.50% · 4.625%
HK$111,415
+HK$6,390/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,050/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,944
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,893
−HK$2,991/mo
Today · 4.125%
HK$115,884
baseline
▲ 0.50% · 4.625%
HK$121,993
+HK$6,109/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,768/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,316 · Scale 2, in force from 26 Feb 2026)