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$54,684
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,385
−HK$1,728/mo
Today · 4.125%
HK$58,113
baseline
▲ 0.50% · 4.625%
HK$61,649
+HK$3,536/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,226/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,835
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,466
−HK$1,656/mo
Today · 4.125%
HK$64,122
baseline
▲ 0.50% · 4.625%
HK$67,502
+HK$3,380/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,244/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,620
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,661
−HK$2,074/mo
Today · 4.125%
HK$69,735
baseline
▲ 0.50% · 4.625%
HK$73,978
+HK$4,243/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,470/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,002
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,960
−HK$1,986/mo
Today · 4.125%
HK$76,946
baseline
▲ 0.50% · 4.625%
HK$81,002
+HK$4,056/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,892/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,557
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,938
−HK$2,420/mo
Today · 4.125%
HK$81,358
baseline
▲ 0.50% · 4.625%
HK$86,308
+HK$4,950/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$162,716/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,169
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,453
−HK$2,317/mo
Today · 4.125%
HK$89,770
baseline
▲ 0.50% · 4.625%
HK$94,502
+HK$4,732/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$179,540/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,430
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,492
−HK$3,111/mo
Today · 4.125%
HK$104,603
baseline
▲ 0.50% · 4.625%
HK$110,968
+HK$6,365/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,206/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,503
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,440
−HK$2,979/mo
Today · 4.125%
HK$115,419
baseline
▲ 0.50% · 4.625%
HK$121,503
+HK$6,084/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,838/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,206 · Scale 2, in force from 26 Feb 2026)