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$54,800
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,505
−HK$1,732/mo
Today · 4.125%
HK$58,237
baseline
▲ 0.50% · 4.625%
HK$61,780
+HK$3,543/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,474/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,965
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,600
−HK$1,658/mo
Today · 4.125%
HK$64,258
baseline
▲ 0.50% · 4.625%
HK$67,646
+HK$3,388/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,516/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,760
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,806
−HK$2,078/mo
Today · 4.125%
HK$69,884
baseline
▲ 0.50% · 4.625%
HK$74,136
+HK$4,252/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,768/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,158
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,120
−HK$1,990/mo
Today · 4.125%
HK$77,110
baseline
▲ 0.50% · 4.625%
HK$81,175
+HK$4,065/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,220/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,720
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,107
−HK$2,424/mo
Today · 4.125%
HK$81,531
baseline
▲ 0.50% · 4.625%
HK$86,492
+HK$4,961/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,062/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,351
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,640
−HK$2,322/mo
Today · 4.125%
HK$89,962
baseline
▲ 0.50% · 4.625%
HK$94,704
+HK$4,742/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,924/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,640
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,709
−HK$3,117/mo
Today · 4.125%
HK$104,826
baseline
▲ 0.50% · 4.625%
HK$111,205
+HK$6,379/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,652/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,737
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,680
−HK$2,985/mo
Today · 4.125%
HK$115,665
baseline
▲ 0.50% · 4.625%
HK$121,762
+HK$6,097/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,330/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,382 · Scale 2, in force from 26 Feb 2026)