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$54,573
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,271
−HK$1,724/mo
Today · 4.125%
HK$57,995
baseline
▲ 0.50% · 4.625%
HK$61,524
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$115,990/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,712
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,340
−HK$1,652/mo
Today · 4.125%
HK$63,992
baseline
▲ 0.50% · 4.625%
HK$67,365
+HK$3,373/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$127,984/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,488
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,525
−HK$2,070/mo
Today · 4.125%
HK$69,595
baseline
▲ 0.50% · 4.625%
HK$73,829
+HK$4,234/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,190/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,855
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,809
−HK$1,982/mo
Today · 4.125%
HK$76,791
baseline
▲ 0.50% · 4.625%
HK$80,838
+HK$4,047/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,582/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,403
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,779
−HK$2,415/mo
Today · 4.125%
HK$81,194
baseline
▲ 0.50% · 4.625%
HK$86,134
+HK$4,940/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,388/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,997
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,277
−HK$2,312/mo
Today · 4.125%
HK$89,589
baseline
▲ 0.50% · 4.625%
HK$94,312
+HK$4,723/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,178/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,232
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,287
−HK$3,105/mo
Today · 4.125%
HK$104,392
baseline
▲ 0.50% · 4.625%
HK$110,744
+HK$6,352/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,784/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,282
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,213
−HK$2,973/mo
Today · 4.125%
HK$115,186
baseline
▲ 0.50% · 4.625%
HK$121,258
+HK$6,072/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,372/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,151 · Scale 2, in force from 26 Feb 2026)