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$54,945
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,654
−HK$1,737/mo
Today · 4.125%
HK$58,391
baseline
▲ 0.50% · 4.625%
HK$61,944
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,782/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,126
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,765
−HK$1,664/mo
Today · 4.125%
HK$64,429
baseline
▲ 0.50% · 4.625%
HK$67,825
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,858/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,934
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,985
−HK$2,084/mo
Today · 4.125%
HK$70,069
baseline
▲ 0.50% · 4.625%
HK$74,333
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,138/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,351
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,319
−HK$1,995/mo
Today · 4.125%
HK$77,314
baseline
▲ 0.50% · 4.625%
HK$81,390
+HK$4,076/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,628/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,923
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,316
−HK$2,431/mo
Today · 4.125%
HK$81,747
baseline
▲ 0.50% · 4.625%
HK$86,721
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,494/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,576
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,872
−HK$2,328/mo
Today · 4.125%
HK$90,200
baseline
▲ 0.50% · 4.625%
HK$94,954
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,400/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,901
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,978
−HK$3,125/mo
Today · 4.125%
HK$105,103
baseline
▲ 0.50% · 4.625%
HK$111,499
+HK$6,396/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,206/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,027
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,978
−HK$2,993/mo
Today · 4.125%
HK$115,971
baseline
▲ 0.50% · 4.625%
HK$122,084
+HK$6,113/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,942/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,084 · Scale 2, in force from 26 Feb 2026)