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$54,609
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,307
−HK$1,726/mo
Today · 4.125%
HK$58,033
baseline
▲ 0.50% · 4.625%
HK$61,564
+HK$3,531/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,066/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,752
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,381
−HK$1,653/mo
Today · 4.125%
HK$64,034
baseline
▲ 0.50% · 4.625%
HK$67,409
+HK$3,375/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,068/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,530
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,569
−HK$2,071/mo
Today · 4.125%
HK$69,640
baseline
▲ 0.50% · 4.625%
HK$73,877
+HK$4,237/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,280/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,902
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,857
−HK$1,984/mo
Today · 4.125%
HK$76,841
baseline
▲ 0.50% · 4.625%
HK$80,891
+HK$4,050/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,682/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,452
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,830
−HK$2,416/mo
Today · 4.125%
HK$81,246
baseline
▲ 0.50% · 4.625%
HK$86,190
+HK$4,944/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,492/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,052
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,333
−HK$2,314/mo
Today · 4.125%
HK$89,647
baseline
▲ 0.50% · 4.625%
HK$94,373
+HK$4,726/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,294/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,296
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,353
−HK$3,107/mo
Today · 4.125%
HK$104,460
baseline
▲ 0.50% · 4.625%
HK$110,816
+HK$6,356/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,920/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,353
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,286
−HK$2,975/mo
Today · 4.125%
HK$115,261
baseline
▲ 0.50% · 4.625%
HK$121,336
+HK$6,075/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,522/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,811 · Scale 2, in force from 26 Feb 2026)