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$54,964
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,673
−HK$1,737/mo
Today · 4.125%
HK$58,410
baseline
▲ 0.50% · 4.625%
HK$61,965
+HK$3,555/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,820/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,147
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,786
−HK$1,664/mo
Today · 4.125%
HK$64,450
baseline
▲ 0.50% · 4.625%
HK$67,847
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,900/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,956
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,008
−HK$2,084/mo
Today · 4.125%
HK$70,092
baseline
▲ 0.50% · 4.625%
HK$74,357
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,184/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,376
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,344
−HK$1,996/mo
Today · 4.125%
HK$77,340
baseline
▲ 0.50% · 4.625%
HK$81,417
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,680/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,949
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,343
−HK$2,432/mo
Today · 4.125%
HK$81,775
baseline
▲ 0.50% · 4.625%
HK$86,750
+HK$4,975/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,550/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,605
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,901
−HK$2,329/mo
Today · 4.125%
HK$90,230
baseline
▲ 0.50% · 4.625%
HK$94,986
+HK$4,756/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,460/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,935
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,012
−HK$3,127/mo
Today · 4.125%
HK$105,139
baseline
▲ 0.50% · 4.625%
HK$111,536
+HK$6,397/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,278/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,064
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,016
−HK$2,994/mo
Today · 4.125%
HK$116,010
baseline
▲ 0.50% · 4.625%
HK$122,125
+HK$6,115/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$232,020/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,428 · Scale 2, in force from 26 Feb 2026)