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$54,547
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,244
−HK$1,724/mo
Today · 4.125%
HK$57,968
baseline
▲ 0.50% · 4.625%
HK$61,495
+HK$3,527/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,936/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,683
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,311
−HK$1,651/mo
Today · 4.125%
HK$63,962
baseline
▲ 0.50% · 4.625%
HK$67,333
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,924/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,457
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,493
−HK$2,068/mo
Today · 4.125%
HK$69,561
baseline
▲ 0.50% · 4.625%
HK$73,794
+HK$4,233/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,122/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,820
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,773
−HK$1,981/mo
Today · 4.125%
HK$76,754
baseline
▲ 0.50% · 4.625%
HK$80,800
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,508/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,366
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,741
−HK$2,414/mo
Today · 4.125%
HK$81,155
baseline
▲ 0.50% · 4.625%
HK$86,093
+HK$4,938/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,310/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,956
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,235
−HK$2,311/mo
Today · 4.125%
HK$89,546
baseline
▲ 0.50% · 4.625%
HK$94,266
+HK$4,720/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,092/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,185
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,239
−HK$3,103/mo
Today · 4.125%
HK$104,342
baseline
▲ 0.50% · 4.625%
HK$110,691
+HK$6,349/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,684/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,230
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,159
−HK$2,972/mo
Today · 4.125%
HK$115,131
baseline
▲ 0.50% · 4.625%
HK$121,200
+HK$6,069/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,262/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,663 · Scale 2, in force from 26 Feb 2026)