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$54,553
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,249
−HK$1,724/mo
Today · 4.125%
HK$57,973
baseline
▲ 0.50% · 4.625%
HK$61,501
+HK$3,528/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,946/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,689
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,317
−HK$1,651/mo
Today · 4.125%
HK$63,968
baseline
▲ 0.50% · 4.625%
HK$67,340
+HK$3,372/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,936/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,463
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,499
−HK$2,069/mo
Today · 4.125%
HK$69,568
baseline
▲ 0.50% · 4.625%
HK$73,801
+HK$4,233/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,136/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,827
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,780
−HK$1,982/mo
Today · 4.125%
HK$76,762
baseline
▲ 0.50% · 4.625%
HK$80,808
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,524/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,374
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,749
−HK$2,414/mo
Today · 4.125%
HK$81,163
baseline
▲ 0.50% · 4.625%
HK$86,101
+HK$4,938/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,326/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,965
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,244
−HK$2,311/mo
Today · 4.125%
HK$89,555
baseline
▲ 0.50% · 4.625%
HK$94,276
+HK$4,721/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,110/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,195
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,249
−HK$3,103/mo
Today · 4.125%
HK$104,352
baseline
▲ 0.50% · 4.625%
HK$110,702
+HK$6,350/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,704/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,240
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,170
−HK$2,972/mo
Today · 4.125%
HK$115,142
baseline
▲ 0.50% · 4.625%
HK$121,212
+HK$6,070/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,284/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,765 · Scale 2, in force from 26 Feb 2026)