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$54,538
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,234
−HK$1,724/mo
Today · 4.125%
HK$57,958
baseline
▲ 0.50% · 4.625%
HK$61,484
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,916/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,673
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,300
−HK$1,651/mo
Today · 4.125%
HK$63,951
baseline
▲ 0.50% · 4.625%
HK$67,322
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,902/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,445
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,481
−HK$2,068/mo
Today · 4.125%
HK$69,549
baseline
▲ 0.50% · 4.625%
HK$73,781
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,098/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,807
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,760
−HK$1,981/mo
Today · 4.125%
HK$76,741
baseline
▲ 0.50% · 4.625%
HK$80,786
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,482/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,353
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,728
−HK$2,413/mo
Today · 4.125%
HK$81,141
baseline
▲ 0.50% · 4.625%
HK$86,078
+HK$4,937/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$162,282/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,942
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,220
−HK$2,311/mo
Today · 4.125%
HK$89,531
baseline
▲ 0.50% · 4.625%
HK$94,250
+HK$4,719/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$179,062/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,168
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,222
−HK$3,102/mo
Today · 4.125%
HK$104,324
baseline
▲ 0.50% · 4.625%
HK$110,672
+HK$6,348/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,648/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,211
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,140
−HK$2,971/mo
Today · 4.125%
HK$115,111
baseline
▲ 0.50% · 4.625%
HK$121,179
+HK$6,068/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,222/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,490 · Scale 2, in force from 26 Feb 2026)