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$54,675
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,376
−HK$1,728/mo
Today · 4.125%
HK$58,104
baseline
▲ 0.50% · 4.625%
HK$61,640
+HK$3,536/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,208/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,826
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,457
−HK$1,655/mo
Today · 4.125%
HK$64,112
baseline
▲ 0.50% · 4.625%
HK$67,492
+HK$3,380/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,224/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,610
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,651
−HK$2,074/mo
Today · 4.125%
HK$69,725
baseline
▲ 0.50% · 4.625%
HK$73,967
+HK$4,242/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,450/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,991
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,949
−HK$1,985/mo
Today · 4.125%
HK$76,934
baseline
▲ 0.50% · 4.625%
HK$80,990
+HK$4,056/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,868/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,546
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,927
−HK$2,419/mo
Today · 4.125%
HK$81,346
baseline
▲ 0.50% · 4.625%
HK$86,295
+HK$4,949/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,692/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,156
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,440
−HK$2,317/mo
Today · 4.125%
HK$89,757
baseline
▲ 0.50% · 4.625%
HK$94,488
+HK$4,731/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,514/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,416
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,477
−HK$3,110/mo
Today · 4.125%
HK$104,587
baseline
▲ 0.50% · 4.625%
HK$110,951
+HK$6,364/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,174/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,487
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$112,423
−HK$2,979/mo
Today · 4.125%
HK$115,402
baseline
▲ 0.50% · 4.625%
HK$121,485
+HK$6,083/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,804/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,055 · Scale 2, in force from 26 Feb 2026)