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$54,804
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,509
−HK$1,731/mo
Today · 4.125%
HK$58,240
baseline
▲ 0.50% · 4.625%
HK$61,784
+HK$3,544/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,480/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,969
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,604
−HK$1,659/mo
Today · 4.125%
HK$64,263
baseline
▲ 0.50% · 4.625%
HK$67,650
+HK$3,387/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,526/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,765
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,810
−HK$2,079/mo
Today · 4.125%
HK$69,889
baseline
▲ 0.50% · 4.625%
HK$74,141
+HK$4,252/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,778/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,162
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,125
−HK$1,990/mo
Today · 4.125%
HK$77,115
baseline
▲ 0.50% · 4.625%
HK$81,180
+HK$4,065/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,230/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,725
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,112
−HK$2,425/mo
Today · 4.125%
HK$81,537
baseline
▲ 0.50% · 4.625%
HK$86,498
+HK$4,961/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,074/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,356
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,645
−HK$2,323/mo
Today · 4.125%
HK$89,968
baseline
▲ 0.50% · 4.625%
HK$94,710
+HK$4,742/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,936/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,647
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,715
−HK$3,118/mo
Today · 4.125%
HK$104,833
baseline
▲ 0.50% · 4.625%
HK$111,212
+HK$6,379/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,666/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,744
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,687
−HK$2,986/mo
Today · 4.125%
HK$115,673
baseline
▲ 0.50% · 4.625%
HK$121,770
+HK$6,097/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,346/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,447 · Scale 2, in force from 26 Feb 2026)