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$54,968
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,678
−HK$1,737/mo
Today · 4.125%
HK$58,415
baseline
▲ 0.50% · 4.625%
HK$61,969
+HK$3,554/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,830/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,151
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,791
−HK$1,664/mo
Today · 4.125%
HK$64,455
baseline
▲ 0.50% · 4.625%
HK$67,853
+HK$3,398/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,910/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,962
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,013
−HK$2,085/mo
Today · 4.125%
HK$70,098
baseline
▲ 0.50% · 4.625%
HK$74,363
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,196/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,382
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,350
−HK$1,996/mo
Today · 4.125%
HK$77,346
baseline
▲ 0.50% · 4.625%
HK$81,423
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,692/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,955
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,349
−HK$2,432/mo
Today · 4.125%
HK$81,781
baseline
▲ 0.50% · 4.625%
HK$86,757
+HK$4,976/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,562/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,612
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,908
−HK$2,329/mo
Today · 4.125%
HK$90,237
baseline
▲ 0.50% · 4.625%
HK$94,994
+HK$4,757/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,474/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,942
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,020
−HK$3,127/mo
Today · 4.125%
HK$105,147
baseline
▲ 0.50% · 4.625%
HK$111,545
+HK$6,398/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,294/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,072
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,024
−HK$2,995/mo
Today · 4.125%
HK$116,019
baseline
▲ 0.50% · 4.625%
HK$122,135
+HK$6,116/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,038/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,507 · Scale 2, in force from 26 Feb 2026)