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$54,595
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,293
−HK$1,726/mo
Today · 4.125%
HK$58,019
baseline
▲ 0.50% · 4.625%
HK$61,549
+HK$3,530/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,038/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,736
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,365
−HK$1,653/mo
Today · 4.125%
HK$64,018
baseline
▲ 0.50% · 4.625%
HK$67,392
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,036/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,514
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,552
−HK$2,070/mo
Today · 4.125%
HK$69,622
baseline
▲ 0.50% · 4.625%
HK$73,859
+HK$4,237/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,244/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,884
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,838
−HK$1,983/mo
Today · 4.125%
HK$76,821
baseline
▲ 0.50% · 4.625%
HK$80,871
+HK$4,050/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,642/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,433
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,811
−HK$2,415/mo
Today · 4.125%
HK$81,226
baseline
▲ 0.50% · 4.625%
HK$86,168
+HK$4,942/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,452/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,031
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,311
−HK$2,314/mo
Today · 4.125%
HK$89,625
baseline
▲ 0.50% · 4.625%
HK$94,349
+HK$4,724/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,250/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,271
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,328
−HK$3,106/mo
Today · 4.125%
HK$104,434
baseline
▲ 0.50% · 4.625%
HK$110,788
+HK$6,354/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,868/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,326
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,258
−HK$2,974/mo
Today · 4.125%
HK$115,232
baseline
▲ 0.50% · 4.625%
HK$121,306
+HK$6,074/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,464/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,557 · Scale 2, in force from 26 Feb 2026)