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$54,970
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,680
−HK$1,737/mo
Today · 4.125%
HK$58,417
baseline
▲ 0.50% · 4.625%
HK$61,972
+HK$3,555/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,834/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,153
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,794
−HK$1,663/mo
Today · 4.125%
HK$64,457
baseline
▲ 0.50% · 4.625%
HK$67,855
+HK$3,398/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,914/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,964
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,016
−HK$2,084/mo
Today · 4.125%
HK$70,100
baseline
▲ 0.50% · 4.625%
HK$74,366
+HK$4,266/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,200/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,384
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,352
−HK$1,997/mo
Today · 4.125%
HK$77,349
baseline
▲ 0.50% · 4.625%
HK$81,426
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,698/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,958
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,352
−HK$2,432/mo
Today · 4.125%
HK$81,784
baseline
▲ 0.50% · 4.625%
HK$86,760
+HK$4,976/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,568/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,615
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,911
−HK$2,329/mo
Today · 4.125%
HK$90,240
baseline
▲ 0.50% · 4.625%
HK$94,997
+HK$4,757/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,480/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,946
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,024
−HK$3,127/mo
Today · 4.125%
HK$105,151
baseline
▲ 0.50% · 4.625%
HK$111,549
+HK$6,398/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,302/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,076
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,028
−HK$2,995/mo
Today · 4.125%
HK$116,023
baseline
▲ 0.50% · 4.625%
HK$122,139
+HK$6,116/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,046/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,544 · Scale 2, in force from 26 Feb 2026)