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$54,451
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,145
−HK$1,721/mo
Today · 4.125%
HK$57,866
baseline
▲ 0.50% · 4.625%
HK$61,387
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,732/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,576
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,201
−HK$1,648/mo
Today · 4.125%
HK$63,849
baseline
▲ 0.50% · 4.625%
HK$67,215
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,698/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,341
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,374
−HK$2,065/mo
Today · 4.125%
HK$69,439
baseline
▲ 0.50% · 4.625%
HK$73,664
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,878/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,691
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,641
−HK$1,978/mo
Today · 4.125%
HK$76,619
baseline
▲ 0.50% · 4.625%
HK$80,657
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,238/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,231
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,603
−HK$2,409/mo
Today · 4.125%
HK$81,012
baseline
▲ 0.50% · 4.625%
HK$85,941
+HK$4,929/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$162,024/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,807
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,081
−HK$2,308/mo
Today · 4.125%
HK$89,389
baseline
▲ 0.50% · 4.625%
HK$94,100
+HK$4,711/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$178,778/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,012
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,061
−HK$3,097/mo
Today · 4.125%
HK$104,158
baseline
▲ 0.50% · 4.625%
HK$110,496
+HK$6,338/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,316/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,037
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,962
−HK$2,966/mo
Today · 4.125%
HK$114,928
baseline
▲ 0.50% · 4.625%
HK$120,986
+HK$6,058/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,856/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,873 · Scale 2, in force from 26 Feb 2026)