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$54,517
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,213
−HK$1,723/mo
Today · 4.125%
HK$57,936
baseline
▲ 0.50% · 4.625%
HK$61,461
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,872/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,650
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,276
−HK$1,650/mo
Today · 4.125%
HK$63,926
baseline
▲ 0.50% · 4.625%
HK$67,296
+HK$3,370/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,852/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,421
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,456
−HK$2,067/mo
Today · 4.125%
HK$69,523
baseline
▲ 0.50% · 4.625%
HK$73,753
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,046/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,780
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,732
−HK$1,980/mo
Today · 4.125%
HK$76,712
baseline
▲ 0.50% · 4.625%
HK$80,755
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,424/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,324
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,698
−HK$2,412/mo
Today · 4.125%
HK$81,110
baseline
▲ 0.50% · 4.625%
HK$86,046
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,220/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,910
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,187
−HK$2,310/mo
Today · 4.125%
HK$89,497
baseline
▲ 0.50% · 4.625%
HK$94,215
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$178,994/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,131
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,183
−HK$3,102/mo
Today · 4.125%
HK$104,285
baseline
▲ 0.50% · 4.625%
HK$110,630
+HK$6,345/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,570/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,170
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,097
−HK$2,971/mo
Today · 4.125%
HK$115,068
baseline
▲ 0.50% · 4.625%
HK$121,133
+HK$6,065/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,136/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,105 · Scale 2, in force from 26 Feb 2026)