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$54,557
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,254
−HK$1,724/mo
Today · 4.125%
HK$57,978
baseline
▲ 0.50% · 4.625%
HK$61,506
+HK$3,528/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,956/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,694
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,322
−HK$1,651/mo
Today · 4.125%
HK$63,973
baseline
▲ 0.50% · 4.625%
HK$67,345
+HK$3,372/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,946/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,468
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,505
−HK$2,069/mo
Today · 4.125%
HK$69,574
baseline
▲ 0.50% · 4.625%
HK$73,807
+HK$4,233/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,148/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,833
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,786
−HK$1,982/mo
Today · 4.125%
HK$76,768
baseline
▲ 0.50% · 4.625%
HK$80,814
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,536/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,380
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,755
−HK$2,414/mo
Today · 4.125%
HK$81,169
baseline
▲ 0.50% · 4.625%
HK$86,108
+HK$4,939/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,338/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,972
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,250
−HK$2,312/mo
Today · 4.125%
HK$89,562
baseline
▲ 0.50% · 4.625%
HK$94,283
+HK$4,721/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,124/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,202
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,257
−HK$3,103/mo
Today · 4.125%
HK$104,360
baseline
▲ 0.50% · 4.625%
HK$110,711
+HK$6,351/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,720/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,249
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,179
−HK$2,972/mo
Today · 4.125%
HK$115,151
baseline
▲ 0.50% · 4.625%
HK$121,221
+HK$6,070/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,302/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,845 · Scale 2, in force from 26 Feb 2026)