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$54,791
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,495
−HK$1,732/mo
Today · 4.125%
HK$58,227
baseline
▲ 0.50% · 4.625%
HK$61,769
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,454/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,954
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,589
−HK$1,658/mo
Today · 4.125%
HK$64,247
baseline
▲ 0.50% · 4.625%
HK$67,634
+HK$3,387/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,494/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,749
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,794
−HK$2,078/mo
Today · 4.125%
HK$69,872
baseline
▲ 0.50% · 4.625%
HK$74,123
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,744/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,145
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,107
−HK$1,990/mo
Today · 4.125%
HK$77,097
baseline
▲ 0.50% · 4.625%
HK$81,161
+HK$4,064/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,194/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,707
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,093
−HK$2,424/mo
Today · 4.125%
HK$81,517
baseline
▲ 0.50% · 4.625%
HK$86,477
+HK$4,960/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,034/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,336
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,624
−HK$2,322/mo
Today · 4.125%
HK$89,946
baseline
▲ 0.50% · 4.625%
HK$94,687
+HK$4,741/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,892/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,623
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,691
−HK$3,117/mo
Today · 4.125%
HK$104,808
baseline
▲ 0.50% · 4.625%
HK$111,185
+HK$6,377/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,616/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,717
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,660
−HK$2,985/mo
Today · 4.125%
HK$115,645
baseline
▲ 0.50% · 4.625%
HK$121,741
+HK$6,096/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,290/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,203 · Scale 2, in force from 26 Feb 2026)