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$54,870
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,577
−HK$1,734/mo
Today · 4.125%
HK$58,311
baseline
▲ 0.50% · 4.625%
HK$61,859
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,622/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,042
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,680
−HK$1,660/mo
Today · 4.125%
HK$64,340
baseline
▲ 0.50% · 4.625%
HK$67,732
+HK$3,392/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,680/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,844
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,892
−HK$2,081/mo
Today · 4.125%
HK$69,973
baseline
▲ 0.50% · 4.625%
HK$74,231
+HK$4,258/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,946/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,251
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,215
−HK$1,993/mo
Today · 4.125%
HK$77,208
baseline
▲ 0.50% · 4.625%
HK$81,278
+HK$4,070/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,416/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,818
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,208
−HK$2,427/mo
Today · 4.125%
HK$81,635
baseline
▲ 0.50% · 4.625%
HK$86,603
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,270/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,459
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,751
−HK$2,325/mo
Today · 4.125%
HK$90,076
baseline
▲ 0.50% · 4.625%
HK$94,825
+HK$4,749/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,152/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,766
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,838
−HK$3,122/mo
Today · 4.125%
HK$104,960
baseline
▲ 0.50% · 4.625%
HK$111,346
+HK$6,386/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,920/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,876
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,823
−HK$2,990/mo
Today · 4.125%
HK$115,813
baseline
▲ 0.50% · 4.625%
HK$121,917
+HK$6,104/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,626/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,683 · Scale 2, in force from 26 Feb 2026)