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$54,587
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,284
−HK$1,726/mo
Today · 4.125%
HK$58,010
baseline
▲ 0.50% · 4.625%
HK$61,539
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,020/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,727
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,356
−HK$1,652/mo
Today · 4.125%
HK$64,008
baseline
▲ 0.50% · 4.625%
HK$67,382
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,016/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,504
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,541
−HK$2,070/mo
Today · 4.125%
HK$69,611
baseline
▲ 0.50% · 4.625%
HK$73,847
+HK$4,236/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$139,222/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,872
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,827
−HK$1,982/mo
Today · 4.125%
HK$76,809
baseline
▲ 0.50% · 4.625%
HK$80,858
+HK$4,049/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$153,618/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,421
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,798
−HK$2,415/mo
Today · 4.125%
HK$81,213
baseline
▲ 0.50% · 4.625%
HK$86,155
+HK$4,942/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,426/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,018
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,298
−HK$2,313/mo
Today · 4.125%
HK$89,611
baseline
▲ 0.50% · 4.625%
HK$94,334
+HK$4,723/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,222/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,256
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,312
−HK$3,105/mo
Today · 4.125%
HK$104,417
baseline
▲ 0.50% · 4.625%
HK$110,771
+HK$6,354/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,834/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,309
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,240
−HK$2,974/mo
Today · 4.125%
HK$115,214
baseline
▲ 0.50% · 4.625%
HK$121,287
+HK$6,073/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,428/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,398 · Scale 2, in force from 26 Feb 2026)