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$54,911
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,619
−HK$1,735/mo
Today · 4.125%
HK$58,354
baseline
▲ 0.50% · 4.625%
HK$61,905
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,708/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,088
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,726
−HK$1,662/mo
Today · 4.125%
HK$64,388
baseline
▲ 0.50% · 4.625%
HK$67,782
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,776/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,893
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,943
−HK$2,082/mo
Today · 4.125%
HK$70,025
baseline
▲ 0.50% · 4.625%
HK$74,286
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,050/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,305
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,271
−HK$1,995/mo
Today · 4.125%
HK$77,266
baseline
▲ 0.50% · 4.625%
HK$81,338
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,532/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,875
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,266
−HK$2,430/mo
Today · 4.125%
HK$81,696
baseline
▲ 0.50% · 4.625%
HK$86,667
+HK$4,971/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$163,392/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,523
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,816
−HK$2,327/mo
Today · 4.125%
HK$90,143
baseline
▲ 0.50% · 4.625%
HK$94,895
+HK$4,752/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$180,286/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,839
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,914
−HK$3,124/mo
Today · 4.125%
HK$105,038
baseline
▲ 0.50% · 4.625%
HK$111,429
+HK$6,391/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,076/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,958
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,907
−HK$2,992/mo
Today · 4.125%
HK$115,899
baseline
▲ 0.50% · 4.625%
HK$122,008
+HK$6,109/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,798/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,442 · Scale 2, in force from 26 Feb 2026)