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$54,926
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,635
−HK$1,735/mo
Today · 4.125%
HK$58,370
baseline
▲ 0.50% · 4.625%
HK$61,922
+HK$3,552/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,740/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,105
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,744
−HK$1,662/mo
Today · 4.125%
HK$64,406
baseline
▲ 0.50% · 4.625%
HK$67,801
+HK$3,395/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,812/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,911
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,962
−HK$2,083/mo
Today · 4.125%
HK$70,045
baseline
▲ 0.50% · 4.625%
HK$74,307
+HK$4,262/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$140,090/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,326
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,292
−HK$1,995/mo
Today · 4.125%
HK$77,287
baseline
▲ 0.50% · 4.625%
HK$81,361
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$154,574/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,897
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,288
−HK$2,431/mo
Today · 4.125%
HK$81,719
baseline
▲ 0.50% · 4.625%
HK$86,691
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,438/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,547
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,841
−HK$2,327/mo
Today · 4.125%
HK$90,168
baseline
▲ 0.50% · 4.625%
HK$94,921
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,336/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,867
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,942
−HK$3,125/mo
Today · 4.125%
HK$105,067
baseline
▲ 0.50% · 4.625%
HK$111,460
+HK$6,393/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,134/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,988
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,938
−HK$2,993/mo
Today · 4.125%
HK$115,931
baseline
▲ 0.50% · 4.625%
HK$122,042
+HK$6,111/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,862/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,727 · Scale 2, in force from 26 Feb 2026)