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$54,523
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,219
−HK$1,723/mo
Today · 4.125%
HK$57,942
baseline
▲ 0.50% · 4.625%
HK$61,468
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,884/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,656
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,283
−HK$1,650/mo
Today · 4.125%
HK$63,933
baseline
▲ 0.50% · 4.625%
HK$67,303
+HK$3,370/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,866/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,427
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,463
−HK$2,067/mo
Today · 4.125%
HK$69,530
baseline
▲ 0.50% · 4.625%
HK$73,761
+HK$4,231/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,060/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,787
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,739
−HK$1,981/mo
Today · 4.125%
HK$76,720
baseline
▲ 0.50% · 4.625%
HK$80,764
+HK$4,044/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,440/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,332
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,706
−HK$2,413/mo
Today · 4.125%
HK$81,119
baseline
▲ 0.50% · 4.625%
HK$86,055
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,238/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,919
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,196
−HK$2,310/mo
Today · 4.125%
HK$89,506
baseline
▲ 0.50% · 4.625%
HK$94,224
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,012/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,141
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,194
−HK$3,101/mo
Today · 4.125%
HK$104,295
baseline
▲ 0.50% · 4.625%
HK$110,642
+HK$6,347/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,590/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,181
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,109
−HK$2,971/mo
Today · 4.125%
HK$115,080
baseline
▲ 0.50% · 4.625%
HK$121,146
+HK$6,066/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,160/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,211 · Scale 2, in force from 26 Feb 2026)