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$54,688
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,390
−HK$1,728/mo
Today · 4.125%
HK$58,118
baseline
▲ 0.50% · 4.625%
HK$61,654
+HK$3,536/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,236/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,840
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,472
−HK$1,655/mo
Today · 4.125%
HK$64,127
baseline
▲ 0.50% · 4.625%
HK$67,508
+HK$3,381/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,254/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,626
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,668
−HK$2,073/mo
Today · 4.125%
HK$69,741
baseline
▲ 0.50% · 4.625%
HK$73,985
+HK$4,244/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,482/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,008
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,966
−HK$1,987/mo
Today · 4.125%
HK$76,953
baseline
▲ 0.50% · 4.625%
HK$81,009
+HK$4,056/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,906/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,564
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,945
−HK$2,420/mo
Today · 4.125%
HK$81,365
baseline
▲ 0.50% · 4.625%
HK$86,316
+HK$4,951/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,730/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,177
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,461
−HK$2,317/mo
Today · 4.125%
HK$89,778
baseline
▲ 0.50% · 4.625%
HK$94,511
+HK$4,733/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,556/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,439
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,501
−HK$3,111/mo
Today · 4.125%
HK$104,612
baseline
▲ 0.50% · 4.625%
HK$110,978
+HK$6,366/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,224/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,513
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,450
−HK$2,979/mo
Today · 4.125%
HK$115,429
baseline
▲ 0.50% · 4.625%
HK$121,514
+HK$6,085/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,858/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,298 · Scale 2, in force from 26 Feb 2026)