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$54,562
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,260
−HK$1,724/mo
Today · 4.125%
HK$57,984
baseline
▲ 0.50% · 4.625%
HK$61,512
+HK$3,528/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,968/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,700
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,328
−HK$1,652/mo
Today · 4.125%
HK$63,980
baseline
▲ 0.50% · 4.625%
HK$67,352
+HK$3,372/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,960/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,475
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,512
−HK$2,069/mo
Today · 4.125%
HK$69,581
baseline
▲ 0.50% · 4.625%
HK$73,815
+HK$4,234/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,162/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,840
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,794
−HK$1,982/mo
Today · 4.125%
HK$76,776
baseline
▲ 0.50% · 4.625%
HK$80,822
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,552/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,387
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,763
−HK$2,415/mo
Today · 4.125%
HK$81,178
baseline
▲ 0.50% · 4.625%
HK$86,117
+HK$4,939/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,356/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,980
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,259
−HK$2,312/mo
Today · 4.125%
HK$89,571
baseline
▲ 0.50% · 4.625%
HK$94,293
+HK$4,722/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,142/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,212
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,267
−HK$3,104/mo
Today · 4.125%
HK$104,371
baseline
▲ 0.50% · 4.625%
HK$110,722
+HK$6,351/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,742/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,260
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,191
−HK$2,972/mo
Today · 4.125%
HK$115,163
baseline
▲ 0.50% · 4.625%
HK$121,234
+HK$6,071/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,326/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,949 · Scale 2, in force from 26 Feb 2026)