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$54,910
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,618
−HK$1,736/mo
Today · 4.125%
HK$58,354
baseline
▲ 0.50% · 4.625%
HK$61,904
+HK$3,550/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$1,023,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,087
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,725
−HK$1,662/mo
Today · 4.125%
HK$64,387
baseline
▲ 0.50% · 4.625%
HK$67,781
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,774/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,892
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,942
−HK$2,082/mo
Today · 4.125%
HK$70,024
baseline
▲ 0.50% · 4.625%
HK$74,285
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,048/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,304
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,270
−HK$1,995/mo
Today · 4.125%
HK$77,265
baseline
▲ 0.50% · 4.625%
HK$81,338
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,530/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,874
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,265
−HK$2,430/mo
Today · 4.125%
HK$81,695
baseline
▲ 0.50% · 4.625%
HK$86,666
+HK$4,971/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$163,390/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,522
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,815
−HK$2,327/mo
Today · 4.125%
HK$90,142
baseline
▲ 0.50% · 4.625%
HK$94,894
+HK$4,752/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$180,284/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,838
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,913
−HK$3,123/mo
Today · 4.125%
HK$105,036
baseline
▲ 0.50% · 4.625%
HK$111,428
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,072/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,957
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,906
−HK$2,991/mo
Today · 4.125%
HK$115,897
baseline
▲ 0.50% · 4.625%
HK$122,006
+HK$6,109/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,794/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,430 · Scale 2, in force from 26 Feb 2026)