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$54,528
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,224
−HK$1,723/mo
Today · 4.125%
HK$57,947
baseline
▲ 0.50% · 4.625%
HK$61,473
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,894/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,661
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,288
−HK$1,651/mo
Today · 4.125%
HK$63,939
baseline
▲ 0.50% · 4.625%
HK$67,309
+HK$3,370/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,878/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,433
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,469
−HK$2,067/mo
Today · 4.125%
HK$69,536
baseline
▲ 0.50% · 4.625%
HK$73,768
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,072/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,794
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,746
−HK$1,981/mo
Today · 4.125%
HK$76,727
baseline
▲ 0.50% · 4.625%
HK$80,771
+HK$4,044/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,454/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,339
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,713
−HK$2,413/mo
Today · 4.125%
HK$81,126
baseline
▲ 0.50% · 4.625%
HK$86,062
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,252/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,926
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,204
−HK$2,310/mo
Today · 4.125%
HK$89,514
baseline
▲ 0.50% · 4.625%
HK$94,233
+HK$4,719/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,028/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,150
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,203
−HK$3,102/mo
Today · 4.125%
HK$104,305
baseline
▲ 0.50% · 4.625%
HK$110,651
+HK$6,346/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,610/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,191
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,119
−HK$2,971/mo
Today · 4.125%
HK$115,090
baseline
▲ 0.50% · 4.625%
HK$121,156
+HK$6,066/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,180/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,301 · Scale 2, in force from 26 Feb 2026)