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$54,519
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,215
−HK$1,722/mo
Today · 4.125%
HK$57,937
baseline
▲ 0.50% · 4.625%
HK$61,463
+HK$3,526/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,874/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,651
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,278
−HK$1,650/mo
Today · 4.125%
HK$63,928
baseline
▲ 0.50% · 4.625%
HK$67,298
+HK$3,370/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,856/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,422
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,457
−HK$2,068/mo
Today · 4.125%
HK$69,525
baseline
▲ 0.50% · 4.625%
HK$73,755
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,050/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,782
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,734
−HK$1,980/mo
Today · 4.125%
HK$76,714
baseline
▲ 0.50% · 4.625%
HK$80,758
+HK$4,044/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,428/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,326
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,700
−HK$2,412/mo
Today · 4.125%
HK$81,112
baseline
▲ 0.50% · 4.625%
HK$86,048
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,224/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,912
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,189
−HK$2,311/mo
Today · 4.125%
HK$89,500
baseline
▲ 0.50% · 4.625%
HK$94,217
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,000/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,134
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,186
−HK$3,101/mo
Today · 4.125%
HK$104,287
baseline
▲ 0.50% · 4.625%
HK$110,633
+HK$6,346/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,574/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,173
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,101
−HK$2,970/mo
Today · 4.125%
HK$115,071
baseline
▲ 0.50% · 4.625%
HK$121,136
+HK$6,065/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,142/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,133 · Scale 2, in force from 26 Feb 2026)