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$54,936
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,645
−HK$1,736/mo
Today · 4.125%
HK$58,381
baseline
▲ 0.50% · 4.625%
HK$61,934
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,762/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,116
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,755
−HK$1,663/mo
Today · 4.125%
HK$64,418
baseline
▲ 0.50% · 4.625%
HK$67,814
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,836/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,924
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,974
−HK$2,084/mo
Today · 4.125%
HK$70,058
baseline
▲ 0.50% · 4.625%
HK$74,320
+HK$4,262/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,116/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,339
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,306
−HK$1,996/mo
Today · 4.125%
HK$77,302
baseline
▲ 0.50% · 4.625%
HK$81,376
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,604/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,911
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,303
−HK$2,431/mo
Today · 4.125%
HK$81,734
baseline
▲ 0.50% · 4.625%
HK$86,707
+HK$4,973/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,468/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,563
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,857
−HK$2,328/mo
Today · 4.125%
HK$90,185
baseline
▲ 0.50% · 4.625%
HK$94,939
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,370/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,885
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,961
−HK$3,125/mo
Today · 4.125%
HK$105,086
baseline
▲ 0.50% · 4.625%
HK$111,481
+HK$6,395/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,172/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,009
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,959
−HK$2,993/mo
Today · 4.125%
HK$115,952
baseline
▲ 0.50% · 4.625%
HK$122,064
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,904/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,918 · Scale 2, in force from 26 Feb 2026)