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$54,528
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,225
−HK$1,723/mo
Today · 4.125%
HK$57,948
baseline
▲ 0.50% · 4.625%
HK$61,474
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,896/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,662
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,289
−HK$1,651/mo
Today · 4.125%
HK$63,940
baseline
▲ 0.50% · 4.625%
HK$67,310
+HK$3,370/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,880/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,434
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,470
−HK$2,067/mo
Today · 4.125%
HK$69,537
baseline
▲ 0.50% · 4.625%
HK$73,769
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,074/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,795
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,747
−HK$1,981/mo
Today · 4.125%
HK$76,728
baseline
▲ 0.50% · 4.625%
HK$80,772
+HK$4,044/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,456/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,340
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,715
−HK$2,412/mo
Today · 4.125%
HK$81,127
baseline
▲ 0.50% · 4.625%
HK$86,063
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,254/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,927
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,205
−HK$2,311/mo
Today · 4.125%
HK$89,516
baseline
▲ 0.50% · 4.625%
HK$94,234
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,032/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,151
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,204
−HK$3,102/mo
Today · 4.125%
HK$104,306
baseline
▲ 0.50% · 4.625%
HK$110,653
+HK$6,347/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,612/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,192
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,121
−HK$2,971/mo
Today · 4.125%
HK$115,092
baseline
▲ 0.50% · 4.625%
HK$121,158
+HK$6,066/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,184/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,317 · Scale 2, in force from 26 Feb 2026)