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$54,785
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,489
−HK$1,731/mo
Today · 4.125%
HK$58,220
baseline
▲ 0.50% · 4.625%
HK$61,763
+HK$3,543/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,440/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,947
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,582
−HK$1,658/mo
Today · 4.125%
HK$64,240
baseline
▲ 0.50% · 4.625%
HK$67,626
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,480/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,741
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,786
−HK$2,078/mo
Today · 4.125%
HK$69,864
baseline
▲ 0.50% · 4.625%
HK$74,115
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,728/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,137
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,098
−HK$1,990/mo
Today · 4.125%
HK$77,088
baseline
▲ 0.50% · 4.625%
HK$81,151
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,176/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,698
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,084
−HK$2,424/mo
Today · 4.125%
HK$81,508
baseline
▲ 0.50% · 4.625%
HK$86,468
+HK$4,960/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,016/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,326
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,615
−HK$2,321/mo
Today · 4.125%
HK$89,936
baseline
▲ 0.50% · 4.625%
HK$94,677
+HK$4,741/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,872/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,612
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,680
−HK$3,116/mo
Today · 4.125%
HK$104,796
baseline
▲ 0.50% · 4.625%
HK$111,173
+HK$6,377/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,592/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,705
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,647
−HK$2,985/mo
Today · 4.125%
HK$115,632
baseline
▲ 0.50% · 4.625%
HK$121,727
+HK$6,095/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,264/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,089 · Scale 2, in force from 26 Feb 2026)