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$54,803
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,508
−HK$1,732/mo
Today · 4.125%
HK$58,240
baseline
▲ 0.50% · 4.625%
HK$61,783
+HK$3,543/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,480/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,968
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,603
−HK$1,659/mo
Today · 4.125%
HK$64,262
baseline
▲ 0.50% · 4.625%
HK$67,649
+HK$3,387/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,524/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,764
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,809
−HK$2,079/mo
Today · 4.125%
HK$69,888
baseline
▲ 0.50% · 4.625%
HK$74,140
+HK$4,252/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,776/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,161
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,124
−HK$1,990/mo
Today · 4.125%
HK$77,114
baseline
▲ 0.50% · 4.625%
HK$81,179
+HK$4,065/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,228/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,724
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,111
−HK$2,425/mo
Today · 4.125%
HK$81,536
baseline
▲ 0.50% · 4.625%
HK$86,497
+HK$4,961/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,072/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,355
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,644
−HK$2,322/mo
Today · 4.125%
HK$89,966
baseline
▲ 0.50% · 4.625%
HK$94,709
+HK$4,743/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,932/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,645
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,714
−HK$3,117/mo
Today · 4.125%
HK$104,831
baseline
▲ 0.50% · 4.625%
HK$111,210
+HK$6,379/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,662/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,742
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,685
−HK$2,986/mo
Today · 4.125%
HK$115,671
baseline
▲ 0.50% · 4.625%
HK$121,768
+HK$6,097/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,342/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,433 · Scale 2, in force from 26 Feb 2026)