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$54,526
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,222
−HK$1,723/mo
Today · 4.125%
HK$57,945
baseline
▲ 0.50% · 4.625%
HK$61,471
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,890/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,660
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,286
−HK$1,651/mo
Today · 4.125%
HK$63,937
baseline
▲ 0.50% · 4.625%
HK$67,307
+HK$3,370/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,874/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,431
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,466
−HK$2,068/mo
Today · 4.125%
HK$69,534
baseline
▲ 0.50% · 4.625%
HK$73,765
+HK$4,231/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,068/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,792
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,744
−HK$1,980/mo
Today · 4.125%
HK$76,724
baseline
▲ 0.50% · 4.625%
HK$80,769
+HK$4,045/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,448/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,336
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,711
−HK$2,412/mo
Today · 4.125%
HK$81,123
baseline
▲ 0.50% · 4.625%
HK$86,060
+HK$4,937/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,246/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,923
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,201
−HK$2,311/mo
Today · 4.125%
HK$89,512
baseline
▲ 0.50% · 4.625%
HK$94,230
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,024/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,147
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,200
−HK$3,101/mo
Today · 4.125%
HK$104,301
baseline
▲ 0.50% · 4.625%
HK$110,648
+HK$6,347/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,602/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,187
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,116
−HK$2,970/mo
Today · 4.125%
HK$115,086
baseline
▲ 0.50% · 4.625%
HK$121,153
+HK$6,067/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,172/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,270 · Scale 2, in force from 26 Feb 2026)