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$54,687
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,388
−HK$1,728/mo
Today · 4.125%
HK$58,116
baseline
▲ 0.50% · 4.625%
HK$61,652
+HK$3,536/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,232/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,838
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,470
−HK$1,655/mo
Today · 4.125%
HK$64,125
baseline
▲ 0.50% · 4.625%
HK$67,505
+HK$3,380/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,250/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,624
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,665
−HK$2,074/mo
Today · 4.125%
HK$69,739
baseline
▲ 0.50% · 4.625%
HK$73,983
+HK$4,244/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,478/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,006
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,964
−HK$1,986/mo
Today · 4.125%
HK$76,950
baseline
▲ 0.50% · 4.625%
HK$81,006
+HK$4,056/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,900/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,561
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,943
−HK$2,419/mo
Today · 4.125%
HK$81,362
baseline
▲ 0.50% · 4.625%
HK$86,313
+HK$4,951/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$162,724/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,174
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,458
−HK$2,317/mo
Today · 4.125%
HK$89,775
baseline
▲ 0.50% · 4.625%
HK$94,508
+HK$4,733/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$179,550/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,436
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,498
−HK$3,111/mo
Today · 4.125%
HK$104,609
baseline
▲ 0.50% · 4.625%
HK$110,974
+HK$6,365/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,218/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,509
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,446
−HK$2,979/mo
Today · 4.125%
HK$115,425
baseline
▲ 0.50% · 4.625%
HK$121,510
+HK$6,085/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,850/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,264 · Scale 2, in force from 26 Feb 2026)