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$54,563
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,260
−HK$1,725/mo
Today · 4.125%
HK$57,985
baseline
▲ 0.50% · 4.625%
HK$61,513
+HK$3,528/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,970/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,701
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,329
−HK$1,651/mo
Today · 4.125%
HK$63,980
baseline
▲ 0.50% · 4.625%
HK$67,353
+HK$3,373/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,960/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,476
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,512
−HK$2,069/mo
Today · 4.125%
HK$69,581
baseline
▲ 0.50% · 4.625%
HK$73,815
+HK$4,234/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,162/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,841
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,794
−HK$1,982/mo
Today · 4.125%
HK$76,776
baseline
▲ 0.50% · 4.625%
HK$80,823
+HK$4,047/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,552/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,388
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,764
−HK$2,414/mo
Today · 4.125%
HK$81,178
baseline
▲ 0.50% · 4.625%
HK$86,118
+HK$4,940/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,356/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,016,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,981
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,260
−HK$2,312/mo
Today · 4.125%
HK$89,572
baseline
▲ 0.50% · 4.625%
HK$94,294
+HK$4,722/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,144/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,016,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,213
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,268
−HK$3,104/mo
Today · 4.125%
HK$104,372
baseline
▲ 0.50% · 4.625%
HK$110,723
+HK$6,351/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,744/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,261
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,192
−HK$2,972/mo
Today · 4.125%
HK$115,164
baseline
▲ 0.50% · 4.625%
HK$121,235
+HK$6,071/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,328/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,959 · Scale 2, in force from 26 Feb 2026)