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$54,555
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,252
−HK$1,725/mo
Today · 4.125%
HK$57,977
baseline
▲ 0.50% · 4.625%
HK$61,504
+HK$3,527/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,954/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,692
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,320
−HK$1,651/mo
Today · 4.125%
HK$63,971
baseline
▲ 0.50% · 4.625%
HK$67,343
+HK$3,372/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,942/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,467
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,503
−HK$2,069/mo
Today · 4.125%
HK$69,572
baseline
▲ 0.50% · 4.625%
HK$73,805
+HK$4,233/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,144/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,831
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,784
−HK$1,982/mo
Today · 4.125%
HK$76,766
baseline
▲ 0.50% · 4.625%
HK$80,812
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,532/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,378
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,753
−HK$2,414/mo
Today · 4.125%
HK$81,167
baseline
▲ 0.50% · 4.625%
HK$86,106
+HK$4,939/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,334/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,969
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,248
−HK$2,312/mo
Today · 4.125%
HK$89,560
baseline
▲ 0.50% · 4.625%
HK$94,281
+HK$4,721/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,120/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,200
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,254
−HK$3,104/mo
Today · 4.125%
HK$104,358
baseline
▲ 0.50% · 4.625%
HK$110,708
+HK$6,350/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,716/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,246
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,176
−HK$2,973/mo
Today · 4.125%
HK$115,149
baseline
▲ 0.50% · 4.625%
HK$121,218
+HK$6,069/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,298/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,819 · Scale 2, in force from 26 Feb 2026)