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$54,805
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,510
−HK$1,732/mo
Today · 4.125%
HK$58,242
baseline
▲ 0.50% · 4.625%
HK$61,786
+HK$3,544/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,484/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,970
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,605
−HK$1,659/mo
Today · 4.125%
HK$64,264
baseline
▲ 0.50% · 4.625%
HK$67,652
+HK$3,388/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,528/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,766
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,812
−HK$2,078/mo
Today · 4.125%
HK$69,890
baseline
▲ 0.50% · 4.625%
HK$74,143
+HK$4,253/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,780/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,164
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,126
−HK$1,991/mo
Today · 4.125%
HK$77,117
baseline
▲ 0.50% · 4.625%
HK$81,182
+HK$4,065/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,234/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,727
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,114
−HK$2,425/mo
Today · 4.125%
HK$81,539
baseline
▲ 0.50% · 4.625%
HK$86,500
+HK$4,961/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,078/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,358
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,647
−HK$2,323/mo
Today · 4.125%
HK$89,970
baseline
▲ 0.50% · 4.625%
HK$94,712
+HK$4,742/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,940/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,649
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,718
−HK$3,117/mo
Today · 4.125%
HK$104,835
baseline
▲ 0.50% · 4.625%
HK$111,214
+HK$6,379/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,670/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,746
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,690
−HK$2,985/mo
Today · 4.125%
HK$115,675
baseline
▲ 0.50% · 4.625%
HK$121,773
+HK$6,098/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,350/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,471 · Scale 2, in force from 26 Feb 2026)