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$54,679
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,380
−HK$1,728/mo
Today · 4.125%
HK$58,108
baseline
▲ 0.50% · 4.625%
HK$61,644
+HK$3,536/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,216/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,830
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,461
−HK$1,655/mo
Today · 4.125%
HK$64,116
baseline
▲ 0.50% · 4.625%
HK$67,496
+HK$3,380/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,232/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,615
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,656
−HK$2,074/mo
Today · 4.125%
HK$69,730
baseline
▲ 0.50% · 4.625%
HK$73,972
+HK$4,242/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,460/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,996
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,954
−HK$1,986/mo
Today · 4.125%
HK$76,940
baseline
▲ 0.50% · 4.625%
HK$80,995
+HK$4,055/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,880/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,551
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,932
−HK$2,419/mo
Today · 4.125%
HK$81,351
baseline
▲ 0.50% · 4.625%
HK$86,301
+HK$4,950/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$162,702/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,162
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,446
−HK$2,317/mo
Today · 4.125%
HK$89,763
baseline
▲ 0.50% · 4.625%
HK$94,495
+HK$4,732/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$179,526/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,422
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,484
−HK$3,110/mo
Today · 4.125%
HK$104,594
baseline
▲ 0.50% · 4.625%
HK$110,959
+HK$6,365/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,188/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,494
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,431
−HK$2,979/mo
Today · 4.125%
HK$115,410
baseline
▲ 0.50% · 4.625%
HK$121,493
+HK$6,083/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,820/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,124 · Scale 2, in force from 26 Feb 2026)