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$54,914
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,623
−HK$1,735/mo
Today · 4.125%
HK$58,358
baseline
▲ 0.50% · 4.625%
HK$61,909
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,716/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,092
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,730
−HK$1,662/mo
Today · 4.125%
HK$64,392
baseline
▲ 0.50% · 4.625%
HK$67,786
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,784/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,897
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,947
−HK$2,083/mo
Today · 4.125%
HK$70,030
baseline
▲ 0.50% · 4.625%
HK$74,291
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,060/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,310
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,276
−HK$1,995/mo
Today · 4.125%
HK$77,271
baseline
▲ 0.50% · 4.625%
HK$81,344
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,542/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,880
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,272
−HK$2,429/mo
Today · 4.125%
HK$81,701
baseline
▲ 0.50% · 4.625%
HK$86,672
+HK$4,971/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$163,402/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,528
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,822
−HK$2,327/mo
Today · 4.125%
HK$90,149
baseline
▲ 0.50% · 4.625%
HK$94,901
+HK$4,752/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$180,298/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,846
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,921
−HK$3,123/mo
Today · 4.125%
HK$105,044
baseline
▲ 0.50% · 4.625%
HK$111,436
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,088/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,965
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,914
−HK$2,992/mo
Today · 4.125%
HK$115,906
baseline
▲ 0.50% · 4.625%
HK$122,016
+HK$6,110/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,812/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,508 · Scale 2, in force from 26 Feb 2026)