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$56,712
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,476
−HK$1,793/mo
Today · 4.125%
HK$60,269
baseline
▲ 0.50% · 4.625%
HK$63,936
+HK$3,667/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,538/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,092
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,784
−HK$1,717/mo
Today · 4.125%
HK$66,501
baseline
▲ 0.50% · 4.625%
HK$70,006
+HK$3,505/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,002/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,055
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,172
−HK$2,150/mo
Today · 4.125%
HK$72,322
baseline
▲ 0.50% · 4.625%
HK$76,723
+HK$4,401/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,644/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,710
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,741
−HK$2,060/mo
Today · 4.125%
HK$79,801
baseline
▲ 0.50% · 4.625%
HK$84,007
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,602/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,397
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,867
−HK$2,509/mo
Today · 4.125%
HK$84,376
baseline
▲ 0.50% · 4.625%
HK$89,510
+HK$5,134/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,752/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,329
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,698
−HK$2,403/mo
Today · 4.125%
HK$93,101
baseline
▲ 0.50% · 4.625%
HK$98,008
+HK$4,907/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,202/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,082
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,258
−HK$3,226/mo
Today · 4.125%
HK$108,484
baseline
▲ 0.50% · 4.625%
HK$115,085
+HK$6,601/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,968/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,565
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,611
−HK$3,090/mo
Today · 4.125%
HK$119,701
baseline
▲ 0.50% · 4.625%
HK$126,011
+HK$6,310/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,402/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,019 · Scale 2, in force from 26 Feb 2026)