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$54,888
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,596
−HK$1,734/mo
Today · 4.125%
HK$58,330
baseline
▲ 0.50% · 4.625%
HK$61,880
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,660/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,063
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,700
−HK$1,662/mo
Today · 4.125%
HK$64,362
baseline
▲ 0.50% · 4.625%
HK$67,754
+HK$3,392/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,724/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,866
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,915
−HK$2,081/mo
Today · 4.125%
HK$69,996
baseline
▲ 0.50% · 4.625%
HK$74,256
+HK$4,260/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,992/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,275
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,241
−HK$1,993/mo
Today · 4.125%
HK$77,234
baseline
▲ 0.50% · 4.625%
HK$81,305
+HK$4,071/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,468/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,844
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,234
−HK$2,429/mo
Today · 4.125%
HK$81,663
baseline
▲ 0.50% · 4.625%
HK$86,631
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,326/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,488
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,781
−HK$2,326/mo
Today · 4.125%
HK$90,107
baseline
▲ 0.50% · 4.625%
HK$94,856
+HK$4,749/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,214/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,799
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,872
−HK$3,123/mo
Today · 4.125%
HK$104,995
baseline
▲ 0.50% · 4.625%
HK$111,383
+HK$6,388/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,990/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,913
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,861
−HK$2,990/mo
Today · 4.125%
HK$115,851
baseline
▲ 0.50% · 4.625%
HK$121,958
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,702/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,024 · Scale 2, in force from 26 Feb 2026)