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$54,585
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,283
−HK$1,725/mo
Today · 4.125%
HK$58,008
baseline
▲ 0.50% · 4.625%
HK$61,537
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,016/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,725
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,354
−HK$1,652/mo
Today · 4.125%
HK$64,006
baseline
▲ 0.50% · 4.625%
HK$67,380
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,012/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,502
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,539
−HK$2,070/mo
Today · 4.125%
HK$69,609
baseline
▲ 0.50% · 4.625%
HK$73,845
+HK$4,236/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$139,218/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,870
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,824
−HK$1,983/mo
Today · 4.125%
HK$76,807
baseline
▲ 0.50% · 4.625%
HK$80,855
+HK$4,048/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$153,614/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,419
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,796
−HK$2,415/mo
Today · 4.125%
HK$81,211
baseline
▲ 0.50% · 4.625%
HK$86,152
+HK$4,941/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,422/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,015
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,295
−HK$2,313/mo
Today · 4.125%
HK$89,608
baseline
▲ 0.50% · 4.625%
HK$94,331
+HK$4,723/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,216/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,253
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,309
−HK$3,105/mo
Today · 4.125%
HK$104,414
baseline
▲ 0.50% · 4.625%
HK$110,767
+HK$6,353/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,828/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,305
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,236
−HK$2,974/mo
Today · 4.125%
HK$115,210
baseline
▲ 0.50% · 4.625%
HK$121,283
+HK$6,073/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,420/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,365 · Scale 2, in force from 26 Feb 2026)