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$56,069
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,813
−HK$1,772/mo
Today · 4.125%
HK$59,585
baseline
▲ 0.50% · 4.625%
HK$63,210
+HK$3,625/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,170/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,376
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,049
−HK$1,697/mo
Today · 4.125%
HK$65,746
baseline
▲ 0.50% · 4.625%
HK$69,211
+HK$3,465/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,492/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,283
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,375
−HK$2,127/mo
Today · 4.125%
HK$71,502
baseline
▲ 0.50% · 4.625%
HK$75,852
+HK$4,350/mo
Deposit HK$9.84M · loan HK$14.75M · min. income ≈ HK$143,004/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,851
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,859
−HK$2,036/mo
Today · 4.125%
HK$78,895
baseline
▲ 0.50% · 4.625%
HK$83,054
+HK$4,159/mo
Deposit HK$9.84M · loan HK$14.75M · min. income ≈ HK$157,790/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,496
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,938
−HK$2,481/mo
Today · 4.125%
HK$83,419
baseline
▲ 0.50% · 4.625%
HK$88,495
+HK$5,076/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$166,838/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,326
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,668
−HK$2,376/mo
Today · 4.125%
HK$92,044
baseline
▲ 0.50% · 4.625%
HK$96,896
+HK$4,852/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$184,088/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,924
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,063
−HK$3,190/mo
Today · 4.125%
HK$107,253
baseline
▲ 0.50% · 4.625%
HK$113,779
+HK$6,526/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$214,506/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,277
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,288
−HK$3,055/mo
Today · 4.125%
HK$118,343
baseline
▲ 0.50% · 4.625%
HK$124,581
+HK$6,238/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$236,686/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,024 · Scale 2, in force from 26 Feb 2026)