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$54,958
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,668
−HK$1,737/mo
Today · 4.125%
HK$58,405
baseline
▲ 0.50% · 4.625%
HK$61,958
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,810/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,141
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,780
−HK$1,664/mo
Today · 4.125%
HK$64,444
baseline
▲ 0.50% · 4.625%
HK$67,841
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,888/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,950
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,001
−HK$2,085/mo
Today · 4.125%
HK$70,086
baseline
▲ 0.50% · 4.625%
HK$74,350
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,172/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,369
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,336
−HK$1,997/mo
Today · 4.125%
HK$77,333
baseline
▲ 0.50% · 4.625%
HK$81,409
+HK$4,076/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,666/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,942
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,335
−HK$2,432/mo
Today · 4.125%
HK$81,767
baseline
▲ 0.50% · 4.625%
HK$86,742
+HK$4,975/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,534/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,597
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,892
−HK$2,329/mo
Today · 4.125%
HK$90,221
baseline
▲ 0.50% · 4.625%
HK$94,977
+HK$4,756/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,442/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,925
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$102,002
−HK$3,126/mo
Today · 4.125%
HK$105,128
baseline
▲ 0.50% · 4.625%
HK$111,525
+HK$6,397/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,256/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,053
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,005
−HK$2,994/mo
Today · 4.125%
HK$115,999
baseline
▲ 0.50% · 4.625%
HK$122,113
+HK$6,114/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,998/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,327 · Scale 2, in force from 26 Feb 2026)