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$54,969
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,679
−HK$1,737/mo
Today · 4.125%
HK$58,416
baseline
▲ 0.50% · 4.625%
HK$61,971
+HK$3,555/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,832/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,153
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,793
−HK$1,664/mo
Today · 4.125%
HK$64,457
baseline
▲ 0.50% · 4.625%
HK$67,854
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,914/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,963
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,015
−HK$2,085/mo
Today · 4.125%
HK$70,100
baseline
▲ 0.50% · 4.625%
HK$74,365
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,200/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,383
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,351
−HK$1,997/mo
Today · 4.125%
HK$77,348
baseline
▲ 0.50% · 4.625%
HK$81,425
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,696/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,957
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,351
−HK$2,432/mo
Today · 4.125%
HK$81,783
baseline
▲ 0.50% · 4.625%
HK$86,759
+HK$4,976/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,566/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,614
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,910
−HK$2,329/mo
Today · 4.125%
HK$90,239
baseline
▲ 0.50% · 4.625%
HK$94,996
+HK$4,757/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,478/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,945
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,022
−HK$3,127/mo
Today · 4.125%
HK$105,149
baseline
▲ 0.50% · 4.625%
HK$111,547
+HK$6,398/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,298/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,075
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,027
−HK$2,995/mo
Today · 4.125%
HK$116,022
baseline
▲ 0.50% · 4.625%
HK$122,138
+HK$6,116/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,044/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,532 · Scale 2, in force from 26 Feb 2026)