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$54,621
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,320
−HK$1,726/mo
Today · 4.125%
HK$58,046
baseline
▲ 0.50% · 4.625%
HK$61,578
+HK$3,532/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,092/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,018,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,765
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,395
−HK$1,653/mo
Today · 4.125%
HK$64,048
baseline
▲ 0.50% · 4.625%
HK$67,424
+HK$3,376/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,096/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,018,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,545
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,584
−HK$2,071/mo
Today · 4.125%
HK$69,655
baseline
▲ 0.50% · 4.625%
HK$73,894
+HK$4,239/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,310/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,918
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,874
−HK$1,984/mo
Today · 4.125%
HK$76,858
baseline
▲ 0.50% · 4.625%
HK$80,909
+HK$4,051/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,716/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,469
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,848
−HK$2,417/mo
Today · 4.125%
HK$81,265
baseline
▲ 0.50% · 4.625%
HK$86,210
+HK$4,945/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,530/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,018,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,071
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,353
−HK$2,315/mo
Today · 4.125%
HK$89,668
baseline
▲ 0.50% · 4.625%
HK$94,394
+HK$4,726/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,336/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,018,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,318
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,376
−HK$3,107/mo
Today · 4.125%
HK$104,483
baseline
▲ 0.50% · 4.625%
HK$110,841
+HK$6,358/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$208,966/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,378
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,311
−HK$2,976/mo
Today · 4.125%
HK$115,287
baseline
▲ 0.50% · 4.625%
HK$121,364
+HK$6,077/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$230,574/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,041 · Scale 2, in force from 26 Feb 2026)