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$54,681
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,382
−HK$1,728/mo
Today · 4.125%
HK$58,110
baseline
▲ 0.50% · 4.625%
HK$61,646
+HK$3,536/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,220/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,832
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,464
−HK$1,655/mo
Today · 4.125%
HK$64,119
baseline
▲ 0.50% · 4.625%
HK$67,498
+HK$3,379/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,238/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,617
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,658
−HK$2,074/mo
Today · 4.125%
HK$69,732
baseline
▲ 0.50% · 4.625%
HK$73,975
+HK$4,243/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,464/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,999
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,956
−HK$1,986/mo
Today · 4.125%
HK$76,942
baseline
▲ 0.50% · 4.625%
HK$80,998
+HK$4,056/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,884/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,553
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,935
−HK$2,419/mo
Today · 4.125%
HK$81,354
baseline
▲ 0.50% · 4.625%
HK$86,304
+HK$4,950/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$162,708/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,165
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,449
−HK$2,317/mo
Today · 4.125%
HK$89,766
baseline
▲ 0.50% · 4.625%
HK$94,498
+HK$4,732/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$179,532/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,426
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,487
−HK$3,111/mo
Today · 4.125%
HK$104,598
baseline
▲ 0.50% · 4.625%
HK$110,963
+HK$6,365/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,196/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,498
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,434
−HK$2,980/mo
Today · 4.125%
HK$115,414
baseline
▲ 0.50% · 4.625%
HK$121,497
+HK$6,083/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,828/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,159 · Scale 2, in force from 26 Feb 2026)