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$54,612
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,311
−HK$1,726/mo
Today · 4.125%
HK$58,037
baseline
▲ 0.50% · 4.625%
HK$61,568
+HK$3,531/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,074/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,756
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,385
−HK$1,653/mo
Today · 4.125%
HK$64,038
baseline
▲ 0.50% · 4.625%
HK$67,414
+HK$3,376/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,076/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,535
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,573
−HK$2,071/mo
Today · 4.125%
HK$69,644
baseline
▲ 0.50% · 4.625%
HK$73,882
+HK$4,238/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,288/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,907
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,862
−HK$1,984/mo
Today · 4.125%
HK$76,846
baseline
▲ 0.50% · 4.625%
HK$80,896
+HK$4,050/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,692/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,457
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,836
−HK$2,416/mo
Today · 4.125%
HK$81,252
baseline
▲ 0.50% · 4.625%
HK$86,196
+HK$4,944/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,504/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,058
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,339
−HK$2,314/mo
Today · 4.125%
HK$89,653
baseline
▲ 0.50% · 4.625%
HK$94,379
+HK$4,726/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,306/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,302
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,360
−HK$3,107/mo
Today · 4.125%
HK$104,467
baseline
▲ 0.50% · 4.625%
HK$110,823
+HK$6,356/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$208,934/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,360
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,293
−HK$2,976/mo
Today · 4.125%
HK$115,269
baseline
▲ 0.50% · 4.625%
HK$121,345
+HK$6,076/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$230,538/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,880 · Scale 2, in force from 26 Feb 2026)