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$54,965
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,674
−HK$1,737/mo
Today · 4.125%
HK$58,411
baseline
▲ 0.50% · 4.625%
HK$61,965
+HK$3,554/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,822/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,147
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,787
−HK$1,664/mo
Today · 4.125%
HK$64,451
baseline
▲ 0.50% · 4.625%
HK$67,848
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,902/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,957
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,009
−HK$2,085/mo
Today · 4.125%
HK$70,094
baseline
▲ 0.50% · 4.625%
HK$74,359
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,188/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,377
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,345
−HK$1,996/mo
Today · 4.125%
HK$77,341
baseline
▲ 0.50% · 4.625%
HK$81,418
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,682/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,950
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,344
−HK$2,432/mo
Today · 4.125%
HK$81,776
baseline
▲ 0.50% · 4.625%
HK$86,752
+HK$4,976/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,552/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,606
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,902
−HK$2,330/mo
Today · 4.125%
HK$90,232
baseline
▲ 0.50% · 4.625%
HK$94,988
+HK$4,756/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,464/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,936
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,014
−HK$3,126/mo
Today · 4.125%
HK$105,140
baseline
▲ 0.50% · 4.625%
HK$111,538
+HK$6,398/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,280/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,065
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,017
−HK$2,995/mo
Today · 4.125%
HK$116,012
baseline
▲ 0.50% · 4.625%
HK$122,127
+HK$6,115/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$232,024/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,443 · Scale 2, in force from 26 Feb 2026)