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$54,972
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,682
−HK$1,737/mo
Today · 4.125%
HK$58,419
baseline
▲ 0.50% · 4.625%
HK$61,974
+HK$3,555/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,838/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,156
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,796
−HK$1,664/mo
Today · 4.125%
HK$64,460
baseline
▲ 0.50% · 4.625%
HK$67,858
+HK$3,398/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,920/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,967
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,019
−HK$2,084/mo
Today · 4.125%
HK$70,103
baseline
▲ 0.50% · 4.625%
HK$74,369
+HK$4,266/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,206/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,387
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,355
−HK$1,997/mo
Today · 4.125%
HK$77,352
baseline
▲ 0.50% · 4.625%
HK$81,429
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,704/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,961
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,355
−HK$2,432/mo
Today · 4.125%
HK$81,787
baseline
▲ 0.50% · 4.625%
HK$86,764
+HK$4,977/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,574/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,618
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,915
−HK$2,329/mo
Today · 4.125%
HK$90,244
baseline
▲ 0.50% · 4.625%
HK$95,001
+HK$4,757/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,488/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,950
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,028
−HK$3,127/mo
Today · 4.125%
HK$105,155
baseline
▲ 0.50% · 4.625%
HK$111,553
+HK$6,398/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,310/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,081
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,033
−HK$2,995/mo
Today · 4.125%
HK$116,028
baseline
▲ 0.50% · 4.625%
HK$122,144
+HK$6,116/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,056/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,586 · Scale 2, in force from 26 Feb 2026)