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$54,922
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,631
−HK$1,735/mo
Today · 4.125%
HK$58,366
baseline
▲ 0.50% · 4.625%
HK$61,918
+HK$3,552/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,732/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,100
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,739
−HK$1,662/mo
Today · 4.125%
HK$64,401
baseline
▲ 0.50% · 4.625%
HK$67,796
+HK$3,395/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,802/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,907
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,957
−HK$2,082/mo
Today · 4.125%
HK$70,039
baseline
▲ 0.50% · 4.625%
HK$74,301
+HK$4,262/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,078/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,320
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,287
−HK$1,995/mo
Today · 4.125%
HK$77,282
baseline
▲ 0.50% · 4.625%
HK$81,355
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,564/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,891
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,283
−HK$2,430/mo
Today · 4.125%
HK$81,713
baseline
▲ 0.50% · 4.625%
HK$86,685
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,426/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,540
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,835
−HK$2,327/mo
Today · 4.125%
HK$90,162
baseline
▲ 0.50% · 4.625%
HK$94,914
+HK$4,752/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,324/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,860
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,935
−HK$3,124/mo
Today · 4.125%
HK$105,059
baseline
▲ 0.50% · 4.625%
HK$111,452
+HK$6,393/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,118/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,981
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,930
−HK$2,992/mo
Today · 4.125%
HK$115,922
baseline
▲ 0.50% · 4.625%
HK$122,033
+HK$6,111/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,844/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,653 · Scale 2, in force from 26 Feb 2026)