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$54,506
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,202
−HK$1,722/mo
Today · 4.125%
HK$57,924
baseline
▲ 0.50% · 4.625%
HK$61,449
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,848/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,638
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,264
−HK$1,650/mo
Today · 4.125%
HK$63,914
baseline
▲ 0.50% · 4.625%
HK$67,283
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,828/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,408
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,442
−HK$2,067/mo
Today · 4.125%
HK$69,509
baseline
▲ 0.50% · 4.625%
HK$73,739
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,018/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,765
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,717
−HK$1,979/mo
Today · 4.125%
HK$76,696
baseline
▲ 0.50% · 4.625%
HK$80,739
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,392/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,309
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,682
−HK$2,412/mo
Today · 4.125%
HK$81,094
baseline
▲ 0.50% · 4.625%
HK$86,028
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,188/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,893
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,169
−HK$2,310/mo
Today · 4.125%
HK$89,479
baseline
▲ 0.50% · 4.625%
HK$94,196
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,958/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,111
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,163
−HK$3,101/mo
Today · 4.125%
HK$104,264
baseline
▲ 0.50% · 4.625%
HK$110,608
+HK$6,344/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,528/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,148
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,075
−HK$2,970/mo
Today · 4.125%
HK$115,045
baseline
▲ 0.50% · 4.625%
HK$121,109
+HK$6,064/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,090/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,902 · Scale 2, in force from 26 Feb 2026)