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$3,443/mo
▼ 0.25% · 3.875%
HK$56,622
−HK$1,735/mo
Today · 4.125%
HK$58,357
baseline
▲ 0.50% · 4.625%
HK$61,908
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,714/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,091
−HK$3,301/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$1,023,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,897
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,946
−HK$2,083/mo
Today · 4.125%
HK$70,029
baseline
▲ 0.50% · 4.625%
HK$74,290
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,058/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,309
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,275
−HK$1,995/mo
Today · 4.125%
HK$77,270
baseline
▲ 0.50% · 4.625%
HK$81,343
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,540/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,879
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,271
−HK$2,429/mo
Today · 4.125%
HK$81,700
baseline
▲ 0.50% · 4.625%
HK$86,672
+HK$4,972/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$163,400/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,528
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,821
−HK$2,327/mo
Today · 4.125%
HK$90,148
baseline
▲ 0.50% · 4.625%
HK$94,900
+HK$4,752/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$180,296/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,845
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,920
−HK$3,123/mo
Today · 4.125%
HK$105,043
baseline
▲ 0.50% · 4.625%
HK$111,435
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,086/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,964
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,913
−HK$2,992/mo
Today · 4.125%
HK$115,905
baseline
▲ 0.50% · 4.625%
HK$122,015
+HK$6,110/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,810/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,499 · Scale 2, in force from 26 Feb 2026)