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$54,405
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,098
−HK$1,719/mo
Today · 4.125%
HK$57,817
baseline
▲ 0.50% · 4.625%
HK$61,335
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,634/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,525
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,149
−HK$1,646/mo
Today · 4.125%
HK$63,795
baseline
▲ 0.50% · 4.625%
HK$67,158
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,590/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,286
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,317
−HK$2,063/mo
Today · 4.125%
HK$69,380
baseline
▲ 0.50% · 4.625%
HK$73,602
+HK$4,222/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$138,760/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,630
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,578
−HK$1,976/mo
Today · 4.125%
HK$76,554
baseline
▲ 0.50% · 4.625%
HK$80,590
+HK$4,036/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$153,108/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,167
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,537
−HK$2,407/mo
Today · 4.125%
HK$80,944
baseline
▲ 0.50% · 4.625%
HK$85,869
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,888/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,735
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,008
−HK$2,305/mo
Today · 4.125%
HK$89,313
baseline
▲ 0.50% · 4.625%
HK$94,021
+HK$4,708/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,626/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,930
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,976
−HK$3,095/mo
Today · 4.125%
HK$104,071
baseline
▲ 0.50% · 4.625%
HK$110,403
+HK$6,332/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,142/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,946
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,867
−HK$2,965/mo
Today · 4.125%
HK$114,832
baseline
▲ 0.50% · 4.625%
HK$120,885
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,664/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,020 · Scale 2, in force from 26 Feb 2026)