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$54,532
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,228
−HK$1,724/mo
Today · 4.125%
HK$57,952
baseline
▲ 0.50% · 4.625%
HK$61,478
+HK$3,526/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$1,016,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,666
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,293
−HK$1,651/mo
Today · 4.125%
HK$63,944
baseline
▲ 0.50% · 4.625%
HK$67,315
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,888/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,438
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,474
−HK$2,068/mo
Today · 4.125%
HK$69,542
baseline
▲ 0.50% · 4.625%
HK$73,773
+HK$4,231/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,084/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,800
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,752
−HK$1,981/mo
Today · 4.125%
HK$76,733
baseline
▲ 0.50% · 4.625%
HK$80,777
+HK$4,044/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,466/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,345
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,720
−HK$2,412/mo
Today · 4.125%
HK$81,132
baseline
▲ 0.50% · 4.625%
HK$86,069
+HK$4,937/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,264/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,933
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,211
−HK$2,311/mo
Today · 4.125%
HK$89,522
baseline
▲ 0.50% · 4.625%
HK$94,240
+HK$4,718/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$1,016,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,158
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,211
−HK$3,102/mo
Today · 4.125%
HK$104,313
baseline
▲ 0.50% · 4.625%
HK$110,660
+HK$6,347/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,626/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,199
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,128
−HK$2,971/mo
Today · 4.125%
HK$115,099
baseline
▲ 0.50% · 4.625%
HK$121,166
+HK$6,067/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,198/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,382 · Scale 2, in force from 26 Feb 2026)