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$54,956
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,666
−HK$1,737/mo
Today · 4.125%
HK$58,403
baseline
▲ 0.50% · 4.625%
HK$61,956
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,806/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,138
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,778
−HK$1,664/mo
Today · 4.125%
HK$64,442
baseline
▲ 0.50% · 4.625%
HK$67,838
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,884/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,948
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,999
−HK$2,084/mo
Today · 4.125%
HK$70,083
baseline
▲ 0.50% · 4.625%
HK$74,348
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,166/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,366
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,334
−HK$1,996/mo
Today · 4.125%
HK$77,330
baseline
▲ 0.50% · 4.625%
HK$81,406
+HK$4,076/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,660/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,939
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,332
−HK$2,432/mo
Today · 4.125%
HK$81,764
baseline
▲ 0.50% · 4.625%
HK$86,739
+HK$4,975/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,528/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,594
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,889
−HK$2,329/mo
Today · 4.125%
HK$90,218
baseline
▲ 0.50% · 4.625%
HK$94,974
+HK$4,756/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,436/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,922
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,999
−HK$3,126/mo
Today · 4.125%
HK$105,125
baseline
▲ 0.50% · 4.625%
HK$111,521
+HK$6,396/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,250/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,049
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,001
−HK$2,994/mo
Today · 4.125%
HK$115,995
baseline
▲ 0.50% · 4.625%
HK$122,109
+HK$6,114/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,990/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,292 · Scale 2, in force from 26 Feb 2026)