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$54,576
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,273
−HK$1,725/mo
Today · 4.125%
HK$57,998
baseline
▲ 0.50% · 4.625%
HK$61,527
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$115,996/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,715
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,343
−HK$1,652/mo
Today · 4.125%
HK$63,995
baseline
▲ 0.50% · 4.625%
HK$67,369
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$127,990/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,491
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,528
−HK$2,070/mo
Today · 4.125%
HK$69,598
baseline
▲ 0.50% · 4.625%
HK$73,833
+HK$4,235/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,196/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,858
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,812
−HK$1,982/mo
Today · 4.125%
HK$76,794
baseline
▲ 0.50% · 4.625%
HK$80,842
+HK$4,048/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,588/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,406
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,783
−HK$2,414/mo
Today · 4.125%
HK$81,197
baseline
▲ 0.50% · 4.625%
HK$86,138
+HK$4,941/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,394/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,001
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,281
−HK$2,312/mo
Today · 4.125%
HK$89,593
baseline
▲ 0.50% · 4.625%
HK$94,316
+HK$4,723/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,186/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,236
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,292
−HK$3,105/mo
Today · 4.125%
HK$104,397
baseline
▲ 0.50% · 4.625%
HK$110,749
+HK$6,352/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,794/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,287
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,218
−HK$2,974/mo
Today · 4.125%
HK$115,192
baseline
▲ 0.50% · 4.625%
HK$121,263
+HK$6,071/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,384/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,198 · Scale 2, in force from 26 Feb 2026)