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$54,937
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,646
−HK$1,736/mo
Today · 4.125%
HK$58,382
baseline
▲ 0.50% · 4.625%
HK$61,935
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,764/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,117
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,756
−HK$1,663/mo
Today · 4.125%
HK$64,419
baseline
▲ 0.50% · 4.625%
HK$67,815
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,838/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,925
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,975
−HK$2,084/mo
Today · 4.125%
HK$70,059
baseline
▲ 0.50% · 4.625%
HK$74,321
+HK$4,262/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,118/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,340
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,307
−HK$1,996/mo
Today · 4.125%
HK$77,303
baseline
▲ 0.50% · 4.625%
HK$81,377
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,606/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,912
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,304
−HK$2,431/mo
Today · 4.125%
HK$81,735
baseline
▲ 0.50% · 4.625%
HK$86,708
+HK$4,973/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,470/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,564
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,859
−HK$2,328/mo
Today · 4.125%
HK$90,187
baseline
▲ 0.50% · 4.625%
HK$94,940
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,374/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,887
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,963
−HK$3,125/mo
Today · 4.125%
HK$105,088
baseline
▲ 0.50% · 4.625%
HK$111,482
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,176/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,011
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,961
−HK$2,993/mo
Today · 4.125%
HK$115,954
baseline
▲ 0.50% · 4.625%
HK$122,066
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,908/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,932 · Scale 2, in force from 26 Feb 2026)