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$54,396
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,088
−HK$1,720/mo
Today · 4.125%
HK$57,808
baseline
▲ 0.50% · 4.625%
HK$61,325
+HK$3,517/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,616/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,515
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,138
−HK$1,647/mo
Today · 4.125%
HK$63,785
baseline
▲ 0.50% · 4.625%
HK$67,147
+HK$3,362/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,570/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,276
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,306
−HK$2,063/mo
Today · 4.125%
HK$69,369
baseline
▲ 0.50% · 4.625%
HK$73,590
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,738/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,619
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,566
−HK$1,976/mo
Today · 4.125%
HK$76,542
baseline
▲ 0.50% · 4.625%
HK$80,576
+HK$4,034/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,084/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,155
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,524
−HK$2,407/mo
Today · 4.125%
HK$80,931
baseline
▲ 0.50% · 4.625%
HK$85,855
+HK$4,924/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,862/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,722
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,994
−HK$2,305/mo
Today · 4.125%
HK$89,299
baseline
▲ 0.50% · 4.625%
HK$94,006
+HK$4,707/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,598/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,913
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,959
−HK$3,095/mo
Today · 4.125%
HK$104,054
baseline
▲ 0.50% · 4.625%
HK$110,385
+HK$6,331/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,108/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,928
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,849
−HK$2,964/mo
Today · 4.125%
HK$114,813
baseline
▲ 0.50% · 4.625%
HK$120,865
+HK$6,052/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,626/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,854 · Scale 2, in force from 26 Feb 2026)