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$54,840
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,546
−HK$1,733/mo
Today · 4.125%
HK$58,279
baseline
▲ 0.50% · 4.625%
HK$61,825
+HK$3,546/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,558/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,009
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,645
−HK$1,660/mo
Today · 4.125%
HK$64,305
baseline
▲ 0.50% · 4.625%
HK$67,695
+HK$3,390/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,610/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,808
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,855
−HK$2,080/mo
Today · 4.125%
HK$69,935
baseline
▲ 0.50% · 4.625%
HK$74,190
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,870/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,211
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,174
−HK$1,992/mo
Today · 4.125%
HK$77,166
baseline
▲ 0.50% · 4.625%
HK$81,234
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,332/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,776
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,164
−HK$2,427/mo
Today · 4.125%
HK$81,591
baseline
▲ 0.50% · 4.625%
HK$86,555
+HK$4,964/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,182/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,413
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,704
−HK$2,323/mo
Today · 4.125%
HK$90,027
baseline
▲ 0.50% · 4.625%
HK$94,773
+HK$4,746/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,054/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,712
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,783
−HK$3,119/mo
Today · 4.125%
HK$104,902
baseline
▲ 0.50% · 4.625%
HK$111,285
+HK$6,383/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,804/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,816
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,762
−HK$2,987/mo
Today · 4.125%
HK$115,749
baseline
▲ 0.50% · 4.625%
HK$121,851
+HK$6,102/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,498/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,125 · Scale 2, in force from 26 Feb 2026)