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$54,591
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,289
−HK$1,725/mo
Today · 4.125%
HK$58,014
baseline
▲ 0.50% · 4.625%
HK$61,545
+HK$3,531/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,028/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,732
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,361
−HK$1,652/mo
Today · 4.125%
HK$64,013
baseline
▲ 0.50% · 4.625%
HK$67,387
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,026/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,509
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,547
−HK$2,070/mo
Today · 4.125%
HK$69,617
baseline
▲ 0.50% · 4.625%
HK$73,853
+HK$4,236/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$139,234/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,879
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,833
−HK$1,983/mo
Today · 4.125%
HK$76,816
baseline
▲ 0.50% · 4.625%
HK$80,865
+HK$4,049/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$153,632/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,428
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,805
−HK$2,415/mo
Today · 4.125%
HK$81,220
baseline
▲ 0.50% · 4.625%
HK$86,162
+HK$4,942/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,440/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,025
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,305
−HK$2,314/mo
Today · 4.125%
HK$89,619
baseline
▲ 0.50% · 4.625%
HK$94,342
+HK$4,723/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,238/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,264
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,321
−HK$3,105/mo
Today · 4.125%
HK$104,426
baseline
▲ 0.50% · 4.625%
HK$110,780
+HK$6,354/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,852/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,318
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,250
−HK$2,974/mo
Today · 4.125%
HK$115,224
baseline
▲ 0.50% · 4.625%
HK$121,297
+HK$6,073/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,448/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,484 · Scale 2, in force from 26 Feb 2026)