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$54,573
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,271
−HK$1,724/mo
Today · 4.125%
HK$57,995
baseline
▲ 0.50% · 4.625%
HK$61,524
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$115,990/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,712
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,340
−HK$1,652/mo
Today · 4.125%
HK$63,992
baseline
▲ 0.50% · 4.625%
HK$67,365
+HK$3,373/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$127,984/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,488
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,525
−HK$2,069/mo
Today · 4.125%
HK$69,594
baseline
▲ 0.50% · 4.625%
HK$73,829
+HK$4,235/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,188/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,854
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,808
−HK$1,982/mo
Today · 4.125%
HK$76,790
baseline
▲ 0.50% · 4.625%
HK$80,838
+HK$4,048/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,580/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,402
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,779
−HK$2,414/mo
Today · 4.125%
HK$81,193
baseline
▲ 0.50% · 4.625%
HK$86,134
+HK$4,941/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,386/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,997
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,276
−HK$2,313/mo
Today · 4.125%
HK$89,589
baseline
▲ 0.50% · 4.625%
HK$94,311
+HK$4,722/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,178/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,231
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,287
−HK$3,104/mo
Today · 4.125%
HK$104,391
baseline
▲ 0.50% · 4.625%
HK$110,743
+HK$6,352/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,782/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,281
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,212
−HK$2,974/mo
Today · 4.125%
HK$115,186
baseline
▲ 0.50% · 4.625%
HK$121,257
+HK$6,071/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,372/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,145 · Scale 2, in force from 26 Feb 2026)