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$54,572
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,269
−HK$1,725/mo
Today · 4.125%
HK$57,994
baseline
▲ 0.50% · 4.625%
HK$61,523
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$115,988/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,711
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,339
−HK$1,652/mo
Today · 4.125%
HK$63,991
baseline
▲ 0.50% · 4.625%
HK$67,364
+HK$3,373/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$127,982/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,486
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,523
−HK$2,070/mo
Today · 4.125%
HK$69,593
baseline
▲ 0.50% · 4.625%
HK$73,827
+HK$4,234/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,186/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,853
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,807
−HK$1,982/mo
Today · 4.125%
HK$76,789
baseline
▲ 0.50% · 4.625%
HK$80,837
+HK$4,048/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,578/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,401
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,777
−HK$2,415/mo
Today · 4.125%
HK$81,192
baseline
▲ 0.50% · 4.625%
HK$86,132
+HK$4,940/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,384/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,995
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,275
−HK$2,312/mo
Today · 4.125%
HK$89,587
baseline
▲ 0.50% · 4.625%
HK$94,309
+HK$4,722/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,174/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,229
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,285
−HK$3,104/mo
Today · 4.125%
HK$104,389
baseline
▲ 0.50% · 4.625%
HK$110,741
+HK$6,352/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,778/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,279
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,210
−HK$2,973/mo
Today · 4.125%
HK$115,183
baseline
▲ 0.50% · 4.625%
HK$121,255
+HK$6,072/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,366/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,126 · Scale 2, in force from 26 Feb 2026)