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$54,864
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,570
−HK$1,734/mo
Today · 4.125%
HK$58,304
baseline
▲ 0.50% · 4.625%
HK$61,852
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,608/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,035
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,672
−HK$1,661/mo
Today · 4.125%
HK$64,333
baseline
▲ 0.50% · 4.625%
HK$67,724
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,666/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,836
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,884
−HK$2,081/mo
Today · 4.125%
HK$69,965
baseline
▲ 0.50% · 4.625%
HK$74,222
+HK$4,257/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$139,930/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,242
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,207
−HK$1,992/mo
Today · 4.125%
HK$77,199
baseline
▲ 0.50% · 4.625%
HK$81,269
+HK$4,070/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$154,398/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,809
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,198
−HK$2,428/mo
Today · 4.125%
HK$81,626
baseline
▲ 0.50% · 4.625%
HK$86,592
+HK$4,966/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,252/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,449
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,741
−HK$2,325/mo
Today · 4.125%
HK$90,066
baseline
▲ 0.50% · 4.625%
HK$94,813
+HK$4,747/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,132/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,755
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,826
−HK$3,121/mo
Today · 4.125%
HK$104,947
baseline
▲ 0.50% · 4.625%
HK$111,333
+HK$6,386/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,894/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,863
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,810
−HK$2,989/mo
Today · 4.125%
HK$115,799
baseline
▲ 0.50% · 4.625%
HK$121,903
+HK$6,104/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,598/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,563 · Scale 2, in force from 26 Feb 2026)