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$54,692
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,393
−HK$1,728/mo
Today · 4.125%
HK$58,121
baseline
▲ 0.50% · 4.625%
HK$61,658
+HK$3,537/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,242/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,844
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,476
−HK$1,655/mo
Today · 4.125%
HK$64,131
baseline
▲ 0.50% · 4.625%
HK$67,512
+HK$3,381/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,262/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,630
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,671
−HK$2,075/mo
Today · 4.125%
HK$69,746
baseline
▲ 0.50% · 4.625%
HK$73,989
+HK$4,243/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,492/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,013
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,971
−HK$1,986/mo
Today · 4.125%
HK$76,957
baseline
▲ 0.50% · 4.625%
HK$81,014
+HK$4,057/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,914/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,568
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,950
−HK$2,420/mo
Today · 4.125%
HK$81,370
baseline
▲ 0.50% · 4.625%
HK$86,321
+HK$4,951/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,740/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,181
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,466
−HK$2,318/mo
Today · 4.125%
HK$89,784
baseline
▲ 0.50% · 4.625%
HK$94,516
+HK$4,732/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,568/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,445
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,507
−HK$3,111/mo
Today · 4.125%
HK$104,618
baseline
▲ 0.50% · 4.625%
HK$110,984
+HK$6,366/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,236/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,519
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,456
−HK$2,980/mo
Today · 4.125%
HK$115,436
baseline
▲ 0.50% · 4.625%
HK$121,521
+HK$6,085/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,872/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,357 · Scale 2, in force from 26 Feb 2026)