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$54,600
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,298
−HK$1,725/mo
Today · 4.125%
HK$58,023
baseline
▲ 0.50% · 4.625%
HK$61,554
+HK$3,531/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,046/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,741
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,370
−HK$1,653/mo
Today · 4.125%
HK$64,023
baseline
▲ 0.50% · 4.625%
HK$67,398
+HK$3,375/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,046/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,519
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,557
−HK$2,071/mo
Today · 4.125%
HK$69,628
baseline
▲ 0.50% · 4.625%
HK$73,865
+HK$4,237/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,256/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,890
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,845
−HK$1,983/mo
Today · 4.125%
HK$76,828
baseline
▲ 0.50% · 4.625%
HK$80,877
+HK$4,049/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,656/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,439
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,817
−HK$2,416/mo
Today · 4.125%
HK$81,233
baseline
▲ 0.50% · 4.625%
HK$86,176
+HK$4,943/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,466/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,038
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,319
−HK$2,313/mo
Today · 4.125%
HK$89,632
baseline
▲ 0.50% · 4.625%
HK$94,357
+HK$4,725/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,264/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,279
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,336
−HK$3,106/mo
Today · 4.125%
HK$104,442
baseline
▲ 0.50% · 4.625%
HK$110,797
+HK$6,355/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,884/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,335
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,267
−HK$2,975/mo
Today · 4.125%
HK$115,242
baseline
▲ 0.50% · 4.625%
HK$121,316
+HK$6,074/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,484/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,640 · Scale 2, in force from 26 Feb 2026)