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$54,524
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,220
−HK$1,723/mo
Today · 4.125%
HK$57,943
baseline
▲ 0.50% · 4.625%
HK$61,469
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,886/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,657
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,284
−HK$1,650/mo
Today · 4.125%
HK$63,934
baseline
▲ 0.50% · 4.625%
HK$67,304
+HK$3,370/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,868/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,429
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,464
−HK$2,068/mo
Today · 4.125%
HK$69,532
baseline
▲ 0.50% · 4.625%
HK$73,762
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,064/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,789
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,741
−HK$1,980/mo
Today · 4.125%
HK$76,721
baseline
▲ 0.50% · 4.625%
HK$80,765
+HK$4,044/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,442/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,333
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,708
−HK$2,412/mo
Today · 4.125%
HK$81,120
baseline
▲ 0.50% · 4.625%
HK$86,056
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,240/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,920
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,198
−HK$2,310/mo
Today · 4.125%
HK$89,508
baseline
▲ 0.50% · 4.625%
HK$94,226
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,016/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,143
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,196
−HK$3,101/mo
Today · 4.125%
HK$104,297
baseline
▲ 0.50% · 4.625%
HK$110,644
+HK$6,347/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,594/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,183
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,111
−HK$2,971/mo
Today · 4.125%
HK$115,082
baseline
▲ 0.50% · 4.625%
HK$121,148
+HK$6,066/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,164/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,230 · Scale 2, in force from 26 Feb 2026)