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$56,392
−HK$1,728/mo
Today · 4.125%
HK$58,120
baseline
▲ 0.50% · 4.625%
HK$61,657
+HK$3,537/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$1,019,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,843
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,474
−HK$1,656/mo
Today · 4.125%
HK$64,130
baseline
▲ 0.50% · 4.625%
HK$67,510
+HK$3,380/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,260/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,629
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,670
−HK$2,074/mo
Today · 4.125%
HK$69,744
baseline
▲ 0.50% · 4.625%
HK$73,988
+HK$4,244/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,488/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,011
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,969
−HK$1,987/mo
Today · 4.125%
HK$76,956
baseline
▲ 0.50% · 4.625%
HK$81,012
+HK$4,056/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,912/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,567
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,948
−HK$2,420/mo
Today · 4.125%
HK$81,368
baseline
▲ 0.50% · 4.625%
HK$86,319
+HK$4,951/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,736/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,180
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,464
−HK$2,318/mo
Today · 4.125%
HK$89,782
baseline
▲ 0.50% · 4.625%
HK$94,514
+HK$4,732/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,564/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,443
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,505
−HK$3,111/mo
Today · 4.125%
HK$104,616
baseline
▲ 0.50% · 4.625%
HK$110,982
+HK$6,366/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,232/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,517
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,454
−HK$2,980/mo
Today · 4.125%
HK$115,434
baseline
▲ 0.50% · 4.625%
HK$121,518
+HK$6,084/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,868/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,335 · Scale 2, in force from 26 Feb 2026)