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$54,885
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,592
−HK$1,735/mo
Today · 4.125%
HK$58,327
baseline
▲ 0.50% · 4.625%
HK$61,876
+HK$3,549/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,654/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,059
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,697
−HK$1,661/mo
Today · 4.125%
HK$64,358
baseline
▲ 0.50% · 4.625%
HK$67,750
+HK$3,392/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,716/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,862
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,911
−HK$2,081/mo
Today · 4.125%
HK$69,992
baseline
▲ 0.50% · 4.625%
HK$74,251
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,984/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,271
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,236
−HK$1,994/mo
Today · 4.125%
HK$77,230
baseline
▲ 0.50% · 4.625%
HK$81,301
+HK$4,071/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,460/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,839
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,229
−HK$2,429/mo
Today · 4.125%
HK$81,658
baseline
▲ 0.50% · 4.625%
HK$86,626
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,316/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,483
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,775
−HK$2,326/mo
Today · 4.125%
HK$90,101
baseline
▲ 0.50% · 4.625%
HK$94,851
+HK$4,750/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,202/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,793
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,866
−HK$3,123/mo
Today · 4.125%
HK$104,989
baseline
▲ 0.50% · 4.625%
HK$111,377
+HK$6,388/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,978/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,907
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,854
−HK$2,990/mo
Today · 4.125%
HK$115,844
baseline
▲ 0.50% · 4.625%
HK$121,951
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,688/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,964 · Scale 2, in force from 26 Feb 2026)