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$54,524
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,220
−HK$1,724/mo
Today · 4.125%
HK$57,944
baseline
▲ 0.50% · 4.625%
HK$61,469
+HK$3,525/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,888/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,658
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,285
−HK$1,650/mo
Today · 4.125%
HK$63,935
baseline
▲ 0.50% · 4.625%
HK$67,305
+HK$3,370/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,870/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,429
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,465
−HK$2,067/mo
Today · 4.125%
HK$69,532
baseline
▲ 0.50% · 4.625%
HK$73,763
+HK$4,231/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,064/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,789
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,742
−HK$1,980/mo
Today · 4.125%
HK$76,722
baseline
▲ 0.50% · 4.625%
HK$80,766
+HK$4,044/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,444/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,334
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,709
−HK$2,412/mo
Today · 4.125%
HK$81,121
baseline
▲ 0.50% · 4.625%
HK$86,057
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,242/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,921
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,199
−HK$2,310/mo
Today · 4.125%
HK$89,509
baseline
▲ 0.50% · 4.625%
HK$94,227
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,018/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,144
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,197
−HK$3,101/mo
Today · 4.125%
HK$104,298
baseline
▲ 0.50% · 4.625%
HK$110,645
+HK$6,347/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,596/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,184
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,112
−HK$2,971/mo
Today · 4.125%
HK$115,083
baseline
▲ 0.50% · 4.625%
HK$121,149
+HK$6,066/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,166/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,240 · Scale 2, in force from 26 Feb 2026)