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$54,565
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,263
−HK$1,724/mo
Today · 4.125%
HK$57,987
baseline
▲ 0.50% · 4.625%
HK$61,516
+HK$3,529/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,974/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,703
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,332
−HK$1,651/mo
Today · 4.125%
HK$63,983
baseline
▲ 0.50% · 4.625%
HK$67,356
+HK$3,373/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,966/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,479
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,515
−HK$2,070/mo
Today · 4.125%
HK$69,585
baseline
▲ 0.50% · 4.625%
HK$73,819
+HK$4,234/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,170/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,844
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,798
−HK$1,982/mo
Today · 4.125%
HK$76,780
baseline
▲ 0.50% · 4.625%
HK$80,827
+HK$4,047/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,560/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,392
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,768
−HK$2,414/mo
Today · 4.125%
HK$81,182
baseline
▲ 0.50% · 4.625%
HK$86,122
+HK$4,940/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,364/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,985
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,264
−HK$2,312/mo
Today · 4.125%
HK$89,576
baseline
▲ 0.50% · 4.625%
HK$94,298
+HK$4,722/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,152/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,218
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,273
−HK$3,104/mo
Today · 4.125%
HK$104,377
baseline
▲ 0.50% · 4.625%
HK$110,728
+HK$6,351/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,754/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,266
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,197
−HK$2,973/mo
Today · 4.125%
HK$115,170
baseline
▲ 0.50% · 4.625%
HK$121,240
+HK$6,070/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,340/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,005 · Scale 2, in force from 26 Feb 2026)