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$54,606
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,304
−HK$1,726/mo
Today · 4.125%
HK$58,030
baseline
▲ 0.50% · 4.625%
HK$61,561
+HK$3,531/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,060/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,748
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,377
−HK$1,653/mo
Today · 4.125%
HK$64,030
baseline
▲ 0.50% · 4.625%
HK$67,405
+HK$3,375/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,060/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,527
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,565
−HK$2,071/mo
Today · 4.125%
HK$69,636
baseline
▲ 0.50% · 4.625%
HK$73,873
+HK$4,237/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,272/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,898
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,853
−HK$1,983/mo
Today · 4.125%
HK$76,836
baseline
▲ 0.50% · 4.625%
HK$80,886
+HK$4,050/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,672/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,448
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,826
−HK$2,416/mo
Today · 4.125%
HK$81,242
baseline
▲ 0.50% · 4.625%
HK$86,185
+HK$4,943/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,484/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,047
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,328
−HK$2,314/mo
Today · 4.125%
HK$89,642
baseline
▲ 0.50% · 4.625%
HK$94,367
+HK$4,725/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,284/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,290
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,347
−HK$3,107/mo
Today · 4.125%
HK$104,454
baseline
▲ 0.50% · 4.625%
HK$110,809
+HK$6,355/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,908/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,347
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,279
−HK$2,975/mo
Today · 4.125%
HK$115,254
baseline
▲ 0.50% · 4.625%
HK$121,329
+HK$6,075/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,508/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,752 · Scale 2, in force from 26 Feb 2026)