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$54,951
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,660
−HK$1,737/mo
Today · 4.125%
HK$58,397
baseline
▲ 0.50% · 4.625%
HK$61,950
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,794/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,132
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,772
−HK$1,663/mo
Today · 4.125%
HK$64,435
baseline
▲ 0.50% · 4.625%
HK$67,831
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,870/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,941
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,992
−HK$2,084/mo
Today · 4.125%
HK$70,076
baseline
▲ 0.50% · 4.625%
HK$74,340
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,152/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,358
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,326
−HK$1,996/mo
Today · 4.125%
HK$77,322
baseline
▲ 0.50% · 4.625%
HK$81,397
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,644/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,931
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,324
−HK$2,431/mo
Today · 4.125%
HK$81,755
baseline
▲ 0.50% · 4.625%
HK$86,730
+HK$4,975/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,510/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,585
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,880
−HK$2,329/mo
Today · 4.125%
HK$90,209
baseline
▲ 0.50% · 4.625%
HK$94,964
+HK$4,755/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,418/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,911
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,988
−HK$3,126/mo
Today · 4.125%
HK$105,114
baseline
▲ 0.50% · 4.625%
HK$111,510
+HK$6,396/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,228/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,038
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,989
−HK$2,994/mo
Today · 4.125%
HK$115,983
baseline
▲ 0.50% · 4.625%
HK$122,096
+HK$6,113/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,966/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,184 · Scale 2, in force from 26 Feb 2026)