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$54,836
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,542
−HK$1,733/mo
Today · 4.125%
HK$58,275
baseline
▲ 0.50% · 4.625%
HK$61,821
+HK$3,546/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,550/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,005
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,641
−HK$1,660/mo
Today · 4.125%
HK$64,301
baseline
▲ 0.50% · 4.625%
HK$67,690
+HK$3,389/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,602/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,803
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,850
−HK$2,080/mo
Today · 4.125%
HK$69,930
baseline
▲ 0.50% · 4.625%
HK$74,185
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,860/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,206
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,169
−HK$1,992/mo
Today · 4.125%
HK$77,161
baseline
▲ 0.50% · 4.625%
HK$81,228
+HK$4,067/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,322/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,771
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,159
−HK$2,426/mo
Today · 4.125%
HK$81,585
baseline
▲ 0.50% · 4.625%
HK$86,549
+HK$4,964/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,170/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,407
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,697
−HK$2,324/mo
Today · 4.125%
HK$90,021
baseline
▲ 0.50% · 4.625%
HK$94,766
+HK$4,745/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,042/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,705
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,775
−HK$3,120/mo
Today · 4.125%
HK$104,895
baseline
▲ 0.50% · 4.625%
HK$111,277
+HK$6,382/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,790/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,809
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,754
−HK$2,987/mo
Today · 4.125%
HK$115,741
baseline
▲ 0.50% · 4.625%
HK$121,842
+HK$6,101/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,482/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,052 · Scale 2, in force from 26 Feb 2026)