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$54,955
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,664
−HK$1,737/mo
Today · 4.125%
HK$58,401
baseline
▲ 0.50% · 4.625%
HK$61,955
+HK$3,554/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,802/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,137
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,777
−HK$1,663/mo
Today · 4.125%
HK$64,440
baseline
▲ 0.50% · 4.625%
HK$67,837
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,880/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,946
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,997
−HK$2,084/mo
Today · 4.125%
HK$70,081
baseline
▲ 0.50% · 4.625%
HK$74,346
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,162/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,364
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,332
−HK$1,996/mo
Today · 4.125%
HK$77,328
baseline
▲ 0.50% · 4.625%
HK$81,404
+HK$4,076/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,656/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,937
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,330
−HK$2,432/mo
Today · 4.125%
HK$81,762
baseline
▲ 0.50% · 4.625%
HK$86,737
+HK$4,975/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,524/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,592
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,887
−HK$2,329/mo
Today · 4.125%
HK$90,216
baseline
▲ 0.50% · 4.625%
HK$94,971
+HK$4,755/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,432/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,919
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,996
−HK$3,126/mo
Today · 4.125%
HK$105,122
baseline
▲ 0.50% · 4.625%
HK$111,518
+HK$6,396/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,244/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,046
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$112,998
−HK$2,994/mo
Today · 4.125%
HK$115,992
baseline
▲ 0.50% · 4.625%
HK$122,106
+HK$6,114/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,984/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,265 · Scale 2, in force from 26 Feb 2026)