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$54,452
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,146
−HK$1,721/mo
Today · 4.125%
HK$57,867
baseline
▲ 0.50% · 4.625%
HK$61,388
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,734/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,578
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,203
−HK$1,648/mo
Today · 4.125%
HK$63,851
baseline
▲ 0.50% · 4.625%
HK$67,216
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,702/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,343
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,376
−HK$2,065/mo
Today · 4.125%
HK$69,441
baseline
▲ 0.50% · 4.625%
HK$73,666
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,882/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,693
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,643
−HK$1,978/mo
Today · 4.125%
HK$76,621
baseline
▲ 0.50% · 4.625%
HK$80,660
+HK$4,039/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,242/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,233
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,605
−HK$2,409/mo
Today · 4.125%
HK$81,014
baseline
▲ 0.50% · 4.625%
HK$85,944
+HK$4,930/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$162,028/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,809
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,084
−HK$2,307/mo
Today · 4.125%
HK$89,391
baseline
▲ 0.50% · 4.625%
HK$94,103
+HK$4,712/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$178,782/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,014
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,063
−HK$3,098/mo
Today · 4.125%
HK$104,161
baseline
▲ 0.50% · 4.625%
HK$110,499
+HK$6,338/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,322/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,040
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,965
−HK$2,966/mo
Today · 4.125%
HK$114,931
baseline
▲ 0.50% · 4.625%
HK$120,989
+HK$6,058/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,862/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,900 · Scale 2, in force from 26 Feb 2026)