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$54,551
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,248
−HK$1,724/mo
Today · 4.125%
HK$57,972
baseline
▲ 0.50% · 4.625%
HK$61,500
+HK$3,528/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,944/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,688
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,316
−HK$1,651/mo
Today · 4.125%
HK$63,967
baseline
▲ 0.50% · 4.625%
HK$67,339
+HK$3,372/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,934/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,462
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,498
−HK$2,069/mo
Today · 4.125%
HK$69,567
baseline
▲ 0.50% · 4.625%
HK$73,800
+HK$4,233/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,134/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,826
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,779
−HK$1,981/mo
Today · 4.125%
HK$76,760
baseline
▲ 0.50% · 4.625%
HK$80,806
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,520/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,372
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,748
−HK$2,413/mo
Today · 4.125%
HK$81,161
baseline
▲ 0.50% · 4.625%
HK$86,100
+HK$4,939/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,322/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,963
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,242
−HK$2,311/mo
Today · 4.125%
HK$89,553
baseline
▲ 0.50% · 4.625%
HK$94,274
+HK$4,721/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,106/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,193
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,247
−HK$3,103/mo
Today · 4.125%
HK$104,350
baseline
▲ 0.50% · 4.625%
HK$110,700
+HK$6,350/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,700/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,238
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,168
−HK$2,972/mo
Today · 4.125%
HK$115,140
baseline
▲ 0.50% · 4.625%
HK$121,209
+HK$6,069/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,280/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,744 · Scale 2, in force from 26 Feb 2026)