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$54,537
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,234
−HK$1,723/mo
Today · 4.125%
HK$57,957
baseline
▲ 0.50% · 4.625%
HK$61,484
+HK$3,527/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,914/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,672
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,299
−HK$1,651/mo
Today · 4.125%
HK$63,950
baseline
▲ 0.50% · 4.625%
HK$67,321
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,900/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,445
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,480
−HK$2,069/mo
Today · 4.125%
HK$69,549
baseline
▲ 0.50% · 4.625%
HK$73,780
+HK$4,231/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,098/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,806
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,759
−HK$1,981/mo
Today · 4.125%
HK$76,740
baseline
▲ 0.50% · 4.625%
HK$80,785
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,480/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,352
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,727
−HK$2,413/mo
Today · 4.125%
HK$81,140
baseline
▲ 0.50% · 4.625%
HK$86,077
+HK$4,937/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$162,280/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,941
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,219
−HK$2,311/mo
Today · 4.125%
HK$89,530
baseline
▲ 0.50% · 4.625%
HK$94,249
+HK$4,719/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$179,060/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,167
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,220
−HK$3,103/mo
Today · 4.125%
HK$104,323
baseline
▲ 0.50% · 4.625%
HK$110,671
+HK$6,348/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,646/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,210
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,139
−HK$2,971/mo
Today · 4.125%
HK$115,110
baseline
▲ 0.50% · 4.625%
HK$121,178
+HK$6,068/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,220/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,478 · Scale 2, in force from 26 Feb 2026)