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$54,518
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,214
−HK$1,722/mo
Today · 4.125%
HK$57,936
baseline
▲ 0.50% · 4.625%
HK$61,462
+HK$3,526/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,872/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,650
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,277
−HK$1,650/mo
Today · 4.125%
HK$63,927
baseline
▲ 0.50% · 4.625%
HK$67,297
+HK$3,370/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,854/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,421
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,456
−HK$2,068/mo
Today · 4.125%
HK$69,524
baseline
▲ 0.50% · 4.625%
HK$73,754
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,048/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,781
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,732
−HK$1,981/mo
Today · 4.125%
HK$76,713
baseline
▲ 0.50% · 4.625%
HK$80,756
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,426/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,325
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,699
−HK$2,412/mo
Today · 4.125%
HK$81,111
baseline
▲ 0.50% · 4.625%
HK$86,046
+HK$4,935/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,222/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,911
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,188
−HK$2,310/mo
Today · 4.125%
HK$89,498
baseline
▲ 0.50% · 4.625%
HK$94,216
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$178,996/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,132
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,184
−HK$3,102/mo
Today · 4.125%
HK$104,286
baseline
▲ 0.50% · 4.625%
HK$110,631
+HK$6,345/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,572/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,171
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,099
−HK$2,970/mo
Today · 4.125%
HK$115,069
baseline
▲ 0.50% · 4.625%
HK$121,134
+HK$6,065/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,138/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,116 · Scale 2, in force from 26 Feb 2026)