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$54,519
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,215
−HK$1,723/mo
Today · 4.125%
HK$57,938
baseline
▲ 0.50% · 4.625%
HK$61,463
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,876/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,652
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,279
−HK$1,650/mo
Today · 4.125%
HK$63,929
baseline
▲ 0.50% · 4.625%
HK$67,298
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,858/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,423
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,458
−HK$2,067/mo
Today · 4.125%
HK$69,525
baseline
▲ 0.50% · 4.625%
HK$73,756
+HK$4,231/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,050/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,782
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,734
−HK$1,980/mo
Today · 4.125%
HK$76,714
baseline
▲ 0.50% · 4.625%
HK$80,758
+HK$4,044/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,428/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,327
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,701
−HK$2,412/mo
Today · 4.125%
HK$81,113
baseline
▲ 0.50% · 4.625%
HK$86,049
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,226/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,913
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,190
−HK$2,310/mo
Today · 4.125%
HK$89,500
baseline
▲ 0.50% · 4.625%
HK$94,218
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,000/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,134
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,187
−HK$3,101/mo
Today · 4.125%
HK$104,288
baseline
▲ 0.50% · 4.625%
HK$110,634
+HK$6,346/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,576/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,173
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,101
−HK$2,971/mo
Today · 4.125%
HK$115,072
baseline
▲ 0.50% · 4.625%
HK$121,137
+HK$6,065/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,144/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,140 · Scale 2, in force from 26 Feb 2026)