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$54,943
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,653
−HK$1,736/mo
Today · 4.125%
HK$58,389
baseline
▲ 0.50% · 4.625%
HK$61,942
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,778/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,124
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,763
−HK$1,663/mo
Today · 4.125%
HK$64,426
baseline
▲ 0.50% · 4.625%
HK$67,822
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,852/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,932
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,983
−HK$2,084/mo
Today · 4.125%
HK$70,067
baseline
▲ 0.50% · 4.625%
HK$74,330
+HK$4,263/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,134/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,349
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,316
−HK$1,996/mo
Today · 4.125%
HK$77,312
baseline
▲ 0.50% · 4.625%
HK$81,387
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,624/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,921
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,314
−HK$2,431/mo
Today · 4.125%
HK$81,745
baseline
▲ 0.50% · 4.625%
HK$86,718
+HK$4,973/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,490/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,574
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,869
−HK$2,328/mo
Today · 4.125%
HK$90,197
baseline
▲ 0.50% · 4.625%
HK$94,951
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,394/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,898
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,975
−HK$3,125/mo
Today · 4.125%
HK$105,100
baseline
▲ 0.50% · 4.625%
HK$111,495
+HK$6,395/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,200/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,023
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,974
−HK$2,994/mo
Today · 4.125%
HK$115,968
baseline
▲ 0.50% · 4.625%
HK$122,080
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,936/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,051 · Scale 2, in force from 26 Feb 2026)