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$58,108
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,915
−HK$1,836/mo
Today · 4.125%
HK$61,751
baseline
▲ 0.50% · 4.625%
HK$65,509
+HK$3,758/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,502/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,083,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,644
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,378
−HK$1,759/mo
Today · 4.125%
HK$68,137
baseline
▲ 0.50% · 4.625%
HK$71,728
+HK$3,591/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,274/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,083,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,729
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,898
−HK$2,204/mo
Today · 4.125%
HK$74,102
baseline
▲ 0.50% · 4.625%
HK$78,611
+HK$4,509/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,204/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,573
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,653
−HK$2,111/mo
Today · 4.125%
HK$81,764
baseline
▲ 0.50% · 4.625%
HK$86,074
+HK$4,310/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,528/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,351
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,881
−HK$2,571/mo
Today · 4.125%
HK$86,452
baseline
▲ 0.50% · 4.625%
HK$91,712
+HK$5,260/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$172,904/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,502
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,929
−HK$2,462/mo
Today · 4.125%
HK$95,391
baseline
▲ 0.50% · 4.625%
HK$100,419
+HK$5,028/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$190,782/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,594
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$107,847
−HK$3,306/mo
Today · 4.125%
HK$111,153
baseline
▲ 0.50% · 4.625%
HK$117,916
+HK$6,763/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,306/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,359
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,480
−HK$3,166/mo
Today · 4.125%
HK$122,646
baseline
▲ 0.50% · 4.625%
HK$129,111
+HK$6,465/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,292/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,024 · Scale 2, in force from 26 Feb 2026)