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$54,941
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,650
−HK$1,737/mo
Today · 4.125%
HK$58,387
baseline
▲ 0.50% · 4.625%
HK$61,939
+HK$3,552/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,774/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,122
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,761
−HK$1,663/mo
Today · 4.125%
HK$64,424
baseline
▲ 0.50% · 4.625%
HK$67,820
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,848/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,930
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,980
−HK$2,084/mo
Today · 4.125%
HK$70,064
baseline
▲ 0.50% · 4.625%
HK$74,327
+HK$4,263/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,128/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,346
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,313
−HK$1,996/mo
Today · 4.125%
HK$77,309
baseline
▲ 0.50% · 4.625%
HK$81,384
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,618/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,918
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,310
−HK$2,431/mo
Today · 4.125%
HK$81,741
baseline
▲ 0.50% · 4.625%
HK$86,715
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,482/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,570
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,865
−HK$2,328/mo
Today · 4.125%
HK$90,193
baseline
▲ 0.50% · 4.625%
HK$94,948
+HK$4,755/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,386/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,894
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,970
−HK$3,126/mo
Today · 4.125%
HK$105,096
baseline
▲ 0.50% · 4.625%
HK$111,491
+HK$6,395/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,192/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,019
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,970
−HK$2,993/mo
Today · 4.125%
HK$115,963
baseline
▲ 0.50% · 4.625%
HK$122,075
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,926/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,010 · Scale 2, in force from 26 Feb 2026)