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$54,690
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,391
−HK$1,729/mo
Today · 4.125%
HK$58,120
baseline
▲ 0.50% · 4.625%
HK$61,656
+HK$3,536/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,240/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,842
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,474
−HK$1,655/mo
Today · 4.125%
HK$64,129
baseline
▲ 0.50% · 4.625%
HK$67,510
+HK$3,381/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,258/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,628
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,669
−HK$2,074/mo
Today · 4.125%
HK$69,743
baseline
▲ 0.50% · 4.625%
HK$73,987
+HK$4,244/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,486/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,010
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,969
−HK$1,986/mo
Today · 4.125%
HK$76,955
baseline
▲ 0.50% · 4.625%
HK$81,011
+HK$4,056/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,910/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,566
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,948
−HK$2,419/mo
Today · 4.125%
HK$81,367
baseline
▲ 0.50% · 4.625%
HK$86,318
+HK$4,951/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,734/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,179
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,463
−HK$2,318/mo
Today · 4.125%
HK$89,781
baseline
▲ 0.50% · 4.625%
HK$94,513
+HK$4,732/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,562/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,442
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,504
−HK$3,111/mo
Today · 4.125%
HK$104,615
baseline
▲ 0.50% · 4.625%
HK$110,981
+HK$6,366/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,230/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,516
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,453
−HK$2,980/mo
Today · 4.125%
HK$115,433
baseline
▲ 0.50% · 4.625%
HK$121,517
+HK$6,084/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,866/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,327 · Scale 2, in force from 26 Feb 2026)