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$54,837
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,543
−HK$1,733/mo
Today · 4.125%
HK$58,276
baseline
▲ 0.50% · 4.625%
HK$61,822
+HK$3,546/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,552/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,005
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,642
−HK$1,659/mo
Today · 4.125%
HK$64,301
baseline
▲ 0.50% · 4.625%
HK$67,691
+HK$3,390/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,602/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,804
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,851
−HK$2,080/mo
Today · 4.125%
HK$69,931
baseline
▲ 0.50% · 4.625%
HK$74,186
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,862/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,207
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,170
−HK$1,992/mo
Today · 4.125%
HK$77,162
baseline
▲ 0.50% · 4.625%
HK$81,229
+HK$4,067/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,324/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,772
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,160
−HK$2,426/mo
Today · 4.125%
HK$81,586
baseline
▲ 0.50% · 4.625%
HK$86,550
+HK$4,964/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,172/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,408
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,698
−HK$2,324/mo
Today · 4.125%
HK$90,022
baseline
▲ 0.50% · 4.625%
HK$94,767
+HK$4,745/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,044/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,706
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,777
−HK$3,119/mo
Today · 4.125%
HK$104,896
baseline
▲ 0.50% · 4.625%
HK$111,279
+HK$6,383/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,792/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,810
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,755
−HK$2,988/mo
Today · 4.125%
HK$115,743
baseline
▲ 0.50% · 4.625%
HK$121,843
+HK$6,100/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,486/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,064 · Scale 2, in force from 26 Feb 2026)