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$54,589
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,287
−HK$1,725/mo
Today · 4.125%
HK$58,012
baseline
▲ 0.50% · 4.625%
HK$61,542
+HK$3,530/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,024/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,730
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,358
−HK$1,653/mo
Today · 4.125%
HK$64,011
baseline
▲ 0.50% · 4.625%
HK$67,385
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,022/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,507
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,544
−HK$2,071/mo
Today · 4.125%
HK$69,615
baseline
▲ 0.50% · 4.625%
HK$73,850
+HK$4,235/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$139,230/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,876
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,830
−HK$1,983/mo
Today · 4.125%
HK$76,813
baseline
▲ 0.50% · 4.625%
HK$80,862
+HK$4,049/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$153,626/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,424
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,802
−HK$2,415/mo
Today · 4.125%
HK$81,217
baseline
▲ 0.50% · 4.625%
HK$86,159
+HK$4,942/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,434/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,021
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,302
−HK$2,313/mo
Today · 4.125%
HK$89,615
baseline
▲ 0.50% · 4.625%
HK$94,339
+HK$4,724/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,230/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,260
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,316
−HK$3,106/mo
Today · 4.125%
HK$104,422
baseline
▲ 0.50% · 4.625%
HK$110,776
+HK$6,354/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,844/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,313
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,245
−HK$2,974/mo
Today · 4.125%
HK$115,219
baseline
▲ 0.50% · 4.625%
HK$121,292
+HK$6,073/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,438/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,442 · Scale 2, in force from 26 Feb 2026)