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$54,558
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,255
−HK$1,724/mo
Today · 4.125%
HK$57,979
baseline
▲ 0.50% · 4.625%
HK$61,507
+HK$3,528/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,958/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,695
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,323
−HK$1,651/mo
Today · 4.125%
HK$63,974
baseline
▲ 0.50% · 4.625%
HK$67,346
+HK$3,372/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,948/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,469
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,506
−HK$2,069/mo
Today · 4.125%
HK$69,575
baseline
▲ 0.50% · 4.625%
HK$73,808
+HK$4,233/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,150/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,834
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,787
−HK$1,982/mo
Today · 4.125%
HK$76,769
baseline
▲ 0.50% · 4.625%
HK$80,815
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,538/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,381
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,756
−HK$2,414/mo
Today · 4.125%
HK$81,170
baseline
▲ 0.50% · 4.625%
HK$86,109
+HK$4,939/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,340/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,973
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,252
−HK$2,311/mo
Today · 4.125%
HK$89,563
baseline
▲ 0.50% · 4.625%
HK$94,284
+HK$4,721/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,126/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,204
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,258
−HK$3,104/mo
Today · 4.125%
HK$104,362
baseline
▲ 0.50% · 4.625%
HK$110,712
+HK$6,350/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,724/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,251
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,181
−HK$2,972/mo
Today · 4.125%
HK$115,153
baseline
▲ 0.50% · 4.625%
HK$121,223
+HK$6,070/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,306/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,858 · Scale 2, in force from 26 Feb 2026)