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$54,615
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,314
−HK$1,726/mo
Today · 4.125%
HK$58,040
baseline
▲ 0.50% · 4.625%
HK$61,572
+HK$3,532/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,080/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,759
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,388
−HK$1,653/mo
Today · 4.125%
HK$64,041
baseline
▲ 0.50% · 4.625%
HK$67,417
+HK$3,376/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,082/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,538
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,577
−HK$2,071/mo
Today · 4.125%
HK$69,648
baseline
▲ 0.50% · 4.625%
HK$73,886
+HK$4,238/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,296/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,911
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,866
−HK$1,984/mo
Today · 4.125%
HK$76,850
baseline
▲ 0.50% · 4.625%
HK$80,901
+HK$4,051/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,700/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,461
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,840
−HK$2,416/mo
Today · 4.125%
HK$81,256
baseline
▲ 0.50% · 4.625%
HK$86,200
+HK$4,944/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,512/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,062
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,344
−HK$2,314/mo
Today · 4.125%
HK$89,658
baseline
▲ 0.50% · 4.625%
HK$94,384
+HK$4,726/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,316/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,307
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,365
−HK$3,107/mo
Today · 4.125%
HK$104,472
baseline
▲ 0.50% · 4.625%
HK$110,829
+HK$6,357/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$208,944/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,366
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,299
−HK$2,976/mo
Today · 4.125%
HK$115,275
baseline
▲ 0.50% · 4.625%
HK$121,351
+HK$6,076/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$230,550/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,932 · Scale 2, in force from 26 Feb 2026)