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$54,862
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,568
−HK$1,734/mo
Today · 4.125%
HK$58,302
baseline
▲ 0.50% · 4.625%
HK$61,850
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,604/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,033
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,670
−HK$1,661/mo
Today · 4.125%
HK$64,331
baseline
▲ 0.50% · 4.625%
HK$67,722
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,662/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,834
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,882
−HK$2,081/mo
Today · 4.125%
HK$69,963
baseline
▲ 0.50% · 4.625%
HK$74,220
+HK$4,257/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$139,926/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,240
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,204
−HK$1,993/mo
Today · 4.125%
HK$77,197
baseline
▲ 0.50% · 4.625%
HK$81,266
+HK$4,069/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$154,394/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,807
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,196
−HK$2,427/mo
Today · 4.125%
HK$81,623
baseline
▲ 0.50% · 4.625%
HK$86,590
+HK$4,967/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,246/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,447
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,738
−HK$2,325/mo
Today · 4.125%
HK$90,063
baseline
▲ 0.50% · 4.625%
HK$94,810
+HK$4,747/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,126/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,751
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,823
−HK$3,121/mo
Today · 4.125%
HK$104,944
baseline
▲ 0.50% · 4.625%
HK$111,330
+HK$6,386/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,888/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,860
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,806
−HK$2,989/mo
Today · 4.125%
HK$115,795
baseline
▲ 0.50% · 4.625%
HK$121,899
+HK$6,104/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,590/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,530 · Scale 2, in force from 26 Feb 2026)