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$54,581
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,279
−HK$1,725/mo
Today · 4.125%
HK$58,004
baseline
▲ 0.50% · 4.625%
HK$61,533
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,008/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,721
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,349
−HK$1,652/mo
Today · 4.125%
HK$64,001
baseline
▲ 0.50% · 4.625%
HK$67,375
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,002/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,497
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,535
−HK$2,070/mo
Today · 4.125%
HK$69,605
baseline
▲ 0.50% · 4.625%
HK$73,840
+HK$4,235/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,210/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,865
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,819
−HK$1,983/mo
Today · 4.125%
HK$76,802
baseline
▲ 0.50% · 4.625%
HK$80,850
+HK$4,048/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,604/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,413
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,790
−HK$2,415/mo
Today · 4.125%
HK$81,205
baseline
▲ 0.50% · 4.625%
HK$86,146
+HK$4,941/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,410/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,009
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,289
−HK$2,313/mo
Today · 4.125%
HK$89,602
baseline
▲ 0.50% · 4.625%
HK$94,325
+HK$4,723/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,204/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,246
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,302
−HK$3,105/mo
Today · 4.125%
HK$104,407
baseline
▲ 0.50% · 4.625%
HK$110,760
+HK$6,353/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,814/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,298
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,229
−HK$2,974/mo
Today · 4.125%
HK$115,203
baseline
▲ 0.50% · 4.625%
HK$121,275
+HK$6,072/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,406/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,296 · Scale 2, in force from 26 Feb 2026)