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$54,465
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,160
−HK$1,721/mo
Today · 4.125%
HK$57,881
baseline
▲ 0.50% · 4.625%
HK$61,403
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,762/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,592
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,217
−HK$1,649/mo
Today · 4.125%
HK$63,866
baseline
▲ 0.50% · 4.625%
HK$67,232
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,732/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,358
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,391
−HK$2,066/mo
Today · 4.125%
HK$69,457
baseline
▲ 0.50% · 4.625%
HK$73,683
+HK$4,226/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,914/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,711
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,661
−HK$1,978/mo
Today · 4.125%
HK$76,639
baseline
▲ 0.50% · 4.625%
HK$80,679
+HK$4,040/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,278/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,251
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,623
−HK$2,410/mo
Today · 4.125%
HK$81,033
baseline
▲ 0.50% · 4.625%
HK$85,964
+HK$4,931/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,066/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,829
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,104
−HK$2,308/mo
Today · 4.125%
HK$89,412
baseline
▲ 0.50% · 4.625%
HK$94,125
+HK$4,713/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,824/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,038
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,087
−HK$3,098/mo
Today · 4.125%
HK$104,185
baseline
▲ 0.50% · 4.625%
HK$110,525
+HK$6,340/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,370/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,066
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,991
−HK$2,967/mo
Today · 4.125%
HK$114,958
baseline
▲ 0.50% · 4.625%
HK$121,018
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,916/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,139 · Scale 2, in force from 26 Feb 2026)