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$54,961
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,670
−HK$1,737/mo
Today · 4.125%
HK$58,407
baseline
▲ 0.50% · 4.625%
HK$61,961
+HK$3,554/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,814/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,143
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,783
−HK$1,664/mo
Today · 4.125%
HK$64,447
baseline
▲ 0.50% · 4.625%
HK$67,844
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,894/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,953
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,004
−HK$2,085/mo
Today · 4.125%
HK$70,089
baseline
▲ 0.50% · 4.625%
HK$74,354
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,178/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,372
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,340
−HK$1,996/mo
Today · 4.125%
HK$77,336
baseline
▲ 0.50% · 4.625%
HK$81,413
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,672/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,945
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,339
−HK$2,431/mo
Today · 4.125%
HK$81,770
baseline
▲ 0.50% · 4.625%
HK$86,746
+HK$4,976/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,540/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,601
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,896
−HK$2,329/mo
Today · 4.125%
HK$90,225
baseline
▲ 0.50% · 4.625%
HK$94,981
+HK$4,756/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,450/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,929
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,007
−HK$3,126/mo
Today · 4.125%
HK$105,133
baseline
▲ 0.50% · 4.625%
HK$111,530
+HK$6,397/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,266/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,058
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,010
−HK$2,994/mo
Today · 4.125%
HK$116,004
baseline
▲ 0.50% · 4.625%
HK$122,119
+HK$6,115/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$232,008/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,374 · Scale 2, in force from 26 Feb 2026)