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$54,535
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,231
−HK$1,724/mo
Today · 4.125%
HK$57,955
baseline
▲ 0.50% · 4.625%
HK$61,481
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,910/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,669
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,297
−HK$1,650/mo
Today · 4.125%
HK$63,947
baseline
▲ 0.50% · 4.625%
HK$67,318
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,894/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,442
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,477
−HK$2,069/mo
Today · 4.125%
HK$69,546
baseline
▲ 0.50% · 4.625%
HK$73,777
+HK$4,231/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,092/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,803
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,756
−HK$1,981/mo
Today · 4.125%
HK$76,737
baseline
▲ 0.50% · 4.625%
HK$80,782
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,474/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,349
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,724
−HK$2,413/mo
Today · 4.125%
HK$81,137
baseline
▲ 0.50% · 4.625%
HK$86,074
+HK$4,937/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,274/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,937
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,215
−HK$2,311/mo
Today · 4.125%
HK$89,526
baseline
▲ 0.50% · 4.625%
HK$94,245
+HK$4,719/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,052/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,163
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,216
−HK$3,102/mo
Today · 4.125%
HK$104,318
baseline
▲ 0.50% · 4.625%
HK$110,666
+HK$6,348/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,636/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,205
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,134
−HK$2,971/mo
Today · 4.125%
HK$115,105
baseline
▲ 0.50% · 4.625%
HK$121,172
+HK$6,067/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,210/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,435 · Scale 2, in force from 26 Feb 2026)