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$54,775
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,479
−HK$1,731/mo
Today · 4.125%
HK$58,210
baseline
▲ 0.50% · 4.625%
HK$61,752
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,420/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,937
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,571
−HK$1,658/mo
Today · 4.125%
HK$64,229
baseline
▲ 0.50% · 4.625%
HK$67,614
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,458/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,730
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,775
−HK$2,077/mo
Today · 4.125%
HK$69,852
baseline
▲ 0.50% · 4.625%
HK$74,102
+HK$4,250/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,704/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,124
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,085
−HK$1,990/mo
Today · 4.125%
HK$77,075
baseline
▲ 0.50% · 4.625%
HK$81,137
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,150/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,685
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,070
−HK$2,424/mo
Today · 4.125%
HK$81,494
baseline
▲ 0.50% · 4.625%
HK$86,452
+HK$4,958/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,988/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,311
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,599
−HK$2,321/mo
Today · 4.125%
HK$89,920
baseline
▲ 0.50% · 4.625%
HK$94,660
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,840/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,595
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,662
−HK$3,116/mo
Today · 4.125%
HK$104,778
baseline
▲ 0.50% · 4.625%
HK$111,153
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,556/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,686
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,628
−HK$2,984/mo
Today · 4.125%
HK$115,612
baseline
▲ 0.50% · 4.625%
HK$121,706
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,224/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,910 · Scale 2, in force from 26 Feb 2026)