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$54,447
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,141
−HK$1,720/mo
Today · 4.125%
HK$57,861
baseline
▲ 0.50% · 4.625%
HK$61,382
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,722/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,572
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,196
−HK$1,648/mo
Today · 4.125%
HK$63,844
baseline
▲ 0.50% · 4.625%
HK$67,209
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,688/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,336
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,369
−HK$2,064/mo
Today · 4.125%
HK$69,433
baseline
▲ 0.50% · 4.625%
HK$73,658
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,866/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,686
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,635
−HK$1,978/mo
Today · 4.125%
HK$76,613
baseline
▲ 0.50% · 4.625%
HK$80,651
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,226/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,226
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,597
−HK$2,409/mo
Today · 4.125%
HK$81,006
baseline
▲ 0.50% · 4.625%
HK$85,935
+HK$4,929/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$162,012/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,800
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,075
−HK$2,307/mo
Today · 4.125%
HK$89,382
baseline
▲ 0.50% · 4.625%
HK$94,093
+HK$4,711/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,764/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,004
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,053
−HK$3,097/mo
Today · 4.125%
HK$104,150
baseline
▲ 0.50% · 4.625%
HK$110,487
+HK$6,337/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,300/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,029
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,953
−HK$2,966/mo
Today · 4.125%
HK$114,919
baseline
▲ 0.50% · 4.625%
HK$120,977
+HK$6,058/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,838/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,796 · Scale 2, in force from 26 Feb 2026)