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$54,678
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,379
−HK$1,728/mo
Today · 4.125%
HK$58,107
baseline
▲ 0.50% · 4.625%
HK$61,642
+HK$3,535/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,214/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,828
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,460
−HK$1,655/mo
Today · 4.125%
HK$64,115
baseline
▲ 0.50% · 4.625%
HK$67,494
+HK$3,379/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,230/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,613
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,654
−HK$2,074/mo
Today · 4.125%
HK$69,728
baseline
▲ 0.50% · 4.625%
HK$73,971
+HK$4,243/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,456/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,994
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,952
−HK$1,986/mo
Today · 4.125%
HK$76,938
baseline
▲ 0.50% · 4.625%
HK$80,993
+HK$4,055/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,876/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,549
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,930
−HK$2,419/mo
Today · 4.125%
HK$81,349
baseline
▲ 0.50% · 4.625%
HK$86,299
+HK$4,950/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$162,698/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,160
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,444
−HK$2,317/mo
Today · 4.125%
HK$89,761
baseline
▲ 0.50% · 4.625%
HK$94,492
+HK$4,731/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$179,522/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,420
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,481
−HK$3,111/mo
Today · 4.125%
HK$104,592
baseline
▲ 0.50% · 4.625%
HK$110,956
+HK$6,364/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,184/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,491
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,428
−HK$2,979/mo
Today · 4.125%
HK$115,407
baseline
▲ 0.50% · 4.625%
HK$121,490
+HK$6,083/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,814/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,098 · Scale 2, in force from 26 Feb 2026)