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$54,903
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,611
−HK$1,735/mo
Today · 4.125%
HK$58,346
baseline
▲ 0.50% · 4.625%
HK$61,897
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,692/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,079
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,718
−HK$1,661/mo
Today · 4.125%
HK$64,379
baseline
▲ 0.50% · 4.625%
HK$67,773
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,758/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,884
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,933
−HK$2,083/mo
Today · 4.125%
HK$70,016
baseline
▲ 0.50% · 4.625%
HK$74,276
+HK$4,260/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,032/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,295
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,261
−HK$1,994/mo
Today · 4.125%
HK$77,255
baseline
▲ 0.50% · 4.625%
HK$81,328
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,510/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,865
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,256
−HK$2,429/mo
Today · 4.125%
HK$81,685
baseline
▲ 0.50% · 4.625%
HK$86,655
+HK$4,970/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,370/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,511
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,805
−HK$2,326/mo
Today · 4.125%
HK$90,131
baseline
▲ 0.50% · 4.625%
HK$94,882
+HK$4,751/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,262/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,826
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,900
−HK$3,123/mo
Today · 4.125%
HK$105,023
baseline
▲ 0.50% · 4.625%
HK$111,414
+HK$6,391/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,046/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,943
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,892
−HK$2,991/mo
Today · 4.125%
HK$115,883
baseline
▲ 0.50% · 4.625%
HK$121,991
+HK$6,108/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,766/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,304 · Scale 2, in force from 26 Feb 2026)