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$54,478
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,173
−HK$1,722/mo
Today · 4.125%
HK$57,895
baseline
▲ 0.50% · 4.625%
HK$61,417
+HK$3,522/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,790/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,607
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,232
−HK$1,649/mo
Today · 4.125%
HK$63,881
baseline
▲ 0.50% · 4.625%
HK$67,248
+HK$3,367/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,762/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,374
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,408
−HK$2,066/mo
Today · 4.125%
HK$69,474
baseline
▲ 0.50% · 4.625%
HK$73,701
+HK$4,227/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$138,948/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,728
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,678
−HK$1,979/mo
Today · 4.125%
HK$76,657
baseline
▲ 0.50% · 4.625%
HK$80,698
+HK$4,041/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$153,314/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,270
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,642
−HK$2,410/mo
Today · 4.125%
HK$81,052
baseline
▲ 0.50% · 4.625%
HK$85,984
+HK$4,932/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,104/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,849
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,125
−HK$2,308/mo
Today · 4.125%
HK$89,433
baseline
▲ 0.50% · 4.625%
HK$94,148
+HK$4,715/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,866/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,061
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,111
−HK$3,099/mo
Today · 4.125%
HK$104,210
baseline
▲ 0.50% · 4.625%
HK$110,551
+HK$6,341/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,420/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,092
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,018
−HK$2,968/mo
Today · 4.125%
HK$114,986
baseline
▲ 0.50% · 4.625%
HK$121,047
+HK$6,061/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,972/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,382 · Scale 2, in force from 26 Feb 2026)