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$54,933
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,642
−HK$1,736/mo
Today · 4.125%
HK$58,378
baseline
▲ 0.50% · 4.625%
HK$61,930
+HK$3,552/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,756/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,112
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,751
−HK$1,663/mo
Today · 4.125%
HK$64,414
baseline
▲ 0.50% · 4.625%
HK$67,809
+HK$3,395/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,828/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,920
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,970
−HK$2,083/mo
Today · 4.125%
HK$70,053
baseline
▲ 0.50% · 4.625%
HK$74,316
+HK$4,263/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$140,106/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,335
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,302
−HK$1,995/mo
Today · 4.125%
HK$77,297
baseline
▲ 0.50% · 4.625%
HK$81,371
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$154,594/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,906
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,298
−HK$2,431/mo
Today · 4.125%
HK$81,729
baseline
▲ 0.50% · 4.625%
HK$86,702
+HK$4,973/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,458/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,557
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,852
−HK$2,328/mo
Today · 4.125%
HK$90,180
baseline
▲ 0.50% · 4.625%
HK$94,933
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,360/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,879
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,955
−HK$3,125/mo
Today · 4.125%
HK$105,080
baseline
▲ 0.50% · 4.625%
HK$111,474
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,160/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,002
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,952
−HK$2,993/mo
Today · 4.125%
HK$115,945
baseline
▲ 0.50% · 4.625%
HK$122,057
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,890/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,855 · Scale 2, in force from 26 Feb 2026)