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$54,949
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,659
−HK$1,736/mo
Today · 4.125%
HK$58,395
baseline
▲ 0.50% · 4.625%
HK$61,948
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,790/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,131
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,770
−HK$1,663/mo
Today · 4.125%
HK$64,433
baseline
▲ 0.50% · 4.625%
HK$67,830
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,866/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,939
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,990
−HK$2,084/mo
Today · 4.125%
HK$70,074
baseline
▲ 0.50% · 4.625%
HK$74,338
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,148/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,357
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,324
−HK$1,996/mo
Today · 4.125%
HK$77,320
baseline
▲ 0.50% · 4.625%
HK$81,396
+HK$4,076/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,640/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,929
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,322
−HK$2,431/mo
Today · 4.125%
HK$81,753
baseline
▲ 0.50% · 4.625%
HK$86,728
+HK$4,975/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,506/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,583
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,878
−HK$2,329/mo
Today · 4.125%
HK$90,207
baseline
▲ 0.50% · 4.625%
HK$94,961
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,414/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,909
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,985
−HK$3,126/mo
Today · 4.125%
HK$105,111
baseline
▲ 0.50% · 4.625%
HK$111,507
+HK$6,396/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,222/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,035
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,986
−HK$2,994/mo
Today · 4.125%
HK$115,980
baseline
▲ 0.50% · 4.625%
HK$122,093
+HK$6,113/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,960/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,160 · Scale 2, in force from 26 Feb 2026)