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$54,898
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,605
−HK$1,735/mo
Today · 4.125%
HK$58,340
baseline
▲ 0.50% · 4.625%
HK$61,890
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,680/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,073
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,711
−HK$1,662/mo
Today · 4.125%
HK$64,373
baseline
▲ 0.50% · 4.625%
HK$67,766
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,746/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,877
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,927
−HK$2,082/mo
Today · 4.125%
HK$70,009
baseline
▲ 0.50% · 4.625%
HK$74,268
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,018/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,288
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,254
−HK$1,993/mo
Today · 4.125%
HK$77,247
baseline
▲ 0.50% · 4.625%
HK$81,319
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,494/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,857
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,248
−HK$2,429/mo
Today · 4.125%
HK$81,677
baseline
▲ 0.50% · 4.625%
HK$86,646
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,354/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,503
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,796
−HK$2,326/mo
Today · 4.125%
HK$90,122
baseline
▲ 0.50% · 4.625%
HK$94,873
+HK$4,751/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,244/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,816
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,890
−HK$3,123/mo
Today · 4.125%
HK$105,013
baseline
▲ 0.50% · 4.625%
HK$111,403
+HK$6,390/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,026/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,932
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,880
−HK$2,991/mo
Today · 4.125%
HK$115,871
baseline
▲ 0.50% · 4.625%
HK$121,979
+HK$6,108/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,742/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,200 · Scale 2, in force from 26 Feb 2026)