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$54,516
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,212
−HK$1,723/mo
Today · 4.125%
HK$57,935
baseline
▲ 0.50% · 4.625%
HK$61,460
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,870/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,649
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,275
−HK$1,650/mo
Today · 4.125%
HK$63,925
baseline
▲ 0.50% · 4.625%
HK$67,295
+HK$3,370/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,850/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,419
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,454
−HK$2,068/mo
Today · 4.125%
HK$69,522
baseline
▲ 0.50% · 4.625%
HK$73,752
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,044/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,778
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,730
−HK$1,980/mo
Today · 4.125%
HK$76,710
baseline
▲ 0.50% · 4.625%
HK$80,754
+HK$4,044/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,420/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,323
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,697
−HK$2,412/mo
Today · 4.125%
HK$81,109
baseline
▲ 0.50% · 4.625%
HK$86,044
+HK$4,935/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,218/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,908
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,185
−HK$2,311/mo
Today · 4.125%
HK$89,496
baseline
▲ 0.50% · 4.625%
HK$94,213
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$178,992/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,129
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,182
−HK$3,101/mo
Today · 4.125%
HK$104,283
baseline
▲ 0.50% · 4.625%
HK$110,628
+HK$6,345/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,566/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,168
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,096
−HK$2,970/mo
Today · 4.125%
HK$115,066
baseline
▲ 0.50% · 4.625%
HK$121,131
+HK$6,065/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,132/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,087 · Scale 2, in force from 26 Feb 2026)