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$54,533
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,229
−HK$1,723/mo
Today · 4.125%
HK$57,952
baseline
▲ 0.50% · 4.625%
HK$61,479
+HK$3,527/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,904/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,667
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,294
−HK$1,651/mo
Today · 4.125%
HK$63,945
baseline
▲ 0.50% · 4.625%
HK$67,315
+HK$3,370/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,890/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,439
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,475
−HK$2,068/mo
Today · 4.125%
HK$69,543
baseline
▲ 0.50% · 4.625%
HK$73,774
+HK$4,231/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,086/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,800
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,753
−HK$1,981/mo
Today · 4.125%
HK$76,734
baseline
▲ 0.50% · 4.625%
HK$80,778
+HK$4,044/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,468/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,346
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,720
−HK$2,413/mo
Today · 4.125%
HK$81,133
baseline
▲ 0.50% · 4.625%
HK$86,070
+HK$4,937/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,266/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,934
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,212
−HK$2,310/mo
Today · 4.125%
HK$89,522
baseline
▲ 0.50% · 4.625%
HK$94,241
+HK$4,719/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,044/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,159
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,212
−HK$3,102/mo
Today · 4.125%
HK$104,314
baseline
▲ 0.50% · 4.625%
HK$110,661
+HK$6,347/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,628/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,200
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,129
−HK$2,971/mo
Today · 4.125%
HK$115,100
baseline
▲ 0.50% · 4.625%
HK$121,167
+HK$6,067/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,200/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,393 · Scale 2, in force from 26 Feb 2026)