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$54,905
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,613
−HK$1,735/mo
Today · 4.125%
HK$58,348
baseline
▲ 0.50% · 4.625%
HK$61,898
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,696/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,081
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,719
−HK$1,662/mo
Today · 4.125%
HK$64,381
baseline
▲ 0.50% · 4.625%
HK$67,775
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,762/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,886
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,935
−HK$2,082/mo
Today · 4.125%
HK$70,017
baseline
▲ 0.50% · 4.625%
HK$74,278
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,034/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,297
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,263
−HK$1,994/mo
Today · 4.125%
HK$77,257
baseline
▲ 0.50% · 4.625%
HK$81,329
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,514/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,867
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,258
−HK$2,429/mo
Today · 4.125%
HK$81,687
baseline
▲ 0.50% · 4.625%
HK$86,657
+HK$4,970/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,374/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,513
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,807
−HK$2,326/mo
Today · 4.125%
HK$90,133
baseline
▲ 0.50% · 4.625%
HK$94,884
+HK$4,751/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,266/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,828
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,903
−HK$3,123/mo
Today · 4.125%
HK$105,026
baseline
▲ 0.50% · 4.625%
HK$111,416
+HK$6,390/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,052/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,946
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,894
−HK$2,992/mo
Today · 4.125%
HK$115,886
baseline
▲ 0.50% · 4.625%
HK$121,994
+HK$6,108/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,772/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,328 · Scale 2, in force from 26 Feb 2026)