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$3,447/mo
▼ 0.25% · 3.875%
HK$56,675
−HK$1,737/mo
Today · 4.125%
HK$58,412
baseline
▲ 0.50% · 4.625%
HK$61,966
+HK$3,554/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,824/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,148
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,788
−HK$1,664/mo
Today · 4.125%
HK$64,452
baseline
▲ 0.50% · 4.625%
HK$67,849
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,904/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,958
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,010
−HK$2,085/mo
Today · 4.125%
HK$70,095
baseline
▲ 0.50% · 4.625%
HK$74,360
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,190/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,378
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,346
−HK$1,996/mo
Today · 4.125%
HK$77,342
baseline
▲ 0.50% · 4.625%
HK$81,419
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,684/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,951
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,345
−HK$2,432/mo
Today · 4.125%
HK$81,777
baseline
▲ 0.50% · 4.625%
HK$86,753
+HK$4,976/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,554/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,608
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,904
−HK$2,329/mo
Today · 4.125%
HK$90,233
baseline
▲ 0.50% · 4.625%
HK$94,989
+HK$4,756/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,466/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,938
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,015
−HK$3,127/mo
Today · 4.125%
HK$105,142
baseline
▲ 0.50% · 4.625%
HK$111,540
+HK$6,398/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,284/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,067
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,019
−HK$2,995/mo
Today · 4.125%
HK$116,014
baseline
▲ 0.50% · 4.625%
HK$122,129
+HK$6,115/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$232,028/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,459 · Scale 2, in force from 26 Feb 2026)