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$3,421/mo
▼ 0.25% · 3.875%
HK$56,262
−HK$1,724/mo
Today · 4.125%
HK$57,986
baseline
▲ 0.50% · 4.625%
HK$61,515
+HK$3,529/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,972/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,703
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,331
−HK$1,651/mo
Today · 4.125%
HK$63,982
baseline
▲ 0.50% · 4.625%
HK$67,355
+HK$3,373/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,964/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,478
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,514
−HK$2,070/mo
Today · 4.125%
HK$69,584
baseline
▲ 0.50% · 4.625%
HK$73,818
+HK$4,234/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,168/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,843
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,797
−HK$1,982/mo
Today · 4.125%
HK$76,779
baseline
▲ 0.50% · 4.625%
HK$80,826
+HK$4,047/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,558/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,391
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,767
−HK$2,414/mo
Today · 4.125%
HK$81,181
baseline
▲ 0.50% · 4.625%
HK$86,121
+HK$4,940/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,362/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,016,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,984
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,263
−HK$2,312/mo
Today · 4.125%
HK$89,575
baseline
▲ 0.50% · 4.625%
HK$94,297
+HK$4,722/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,150/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,016,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,217
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,272
−HK$3,104/mo
Today · 4.125%
HK$104,376
baseline
▲ 0.50% · 4.625%
HK$110,727
+HK$6,351/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,752/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,265
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,195
−HK$2,973/mo
Today · 4.125%
HK$115,168
baseline
▲ 0.50% · 4.625%
HK$121,239
+HK$6,071/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,336/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,993 · Scale 2, in force from 26 Feb 2026)