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$54,591
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,289
−HK$1,725/mo
Today · 4.125%
HK$58,014
baseline
▲ 0.50% · 4.625%
HK$61,544
+HK$3,530/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,028/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,731
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,360
−HK$1,653/mo
Today · 4.125%
HK$64,013
baseline
▲ 0.50% · 4.625%
HK$67,387
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,026/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,509
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,546
−HK$2,071/mo
Today · 4.125%
HK$69,617
baseline
▲ 0.50% · 4.625%
HK$73,853
+HK$4,236/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$139,234/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,878
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,832
−HK$1,983/mo
Today · 4.125%
HK$76,815
baseline
▲ 0.50% · 4.625%
HK$80,864
+HK$4,049/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$153,630/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,427
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,804
−HK$2,415/mo
Today · 4.125%
HK$81,219
baseline
▲ 0.50% · 4.625%
HK$86,161
+HK$4,942/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,438/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,024
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,304
−HK$2,314/mo
Today · 4.125%
HK$89,618
baseline
▲ 0.50% · 4.625%
HK$94,341
+HK$4,723/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,236/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,263
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,319
−HK$3,106/mo
Today · 4.125%
HK$104,425
baseline
▲ 0.50% · 4.625%
HK$110,779
+HK$6,354/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,850/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,317
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,248
−HK$2,975/mo
Today · 4.125%
HK$115,223
baseline
▲ 0.50% · 4.625%
HK$121,296
+HK$6,073/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,446/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,472 · Scale 2, in force from 26 Feb 2026)