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$54,400
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,092
−HK$1,719/mo
Today · 4.125%
HK$57,811
baseline
▲ 0.50% · 4.625%
HK$61,329
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,622/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,519
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,143
−HK$1,646/mo
Today · 4.125%
HK$63,789
baseline
▲ 0.50% · 4.625%
HK$67,152
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,578/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,280
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,311
−HK$2,063/mo
Today · 4.125%
HK$69,374
baseline
▲ 0.50% · 4.625%
HK$73,595
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,748/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,623
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,571
−HK$1,976/mo
Today · 4.125%
HK$76,547
baseline
▲ 0.50% · 4.625%
HK$80,582
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,094/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,160
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,529
−HK$2,407/mo
Today · 4.125%
HK$80,936
baseline
▲ 0.50% · 4.625%
HK$85,861
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,872/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,727
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,000
−HK$2,305/mo
Today · 4.125%
HK$89,305
baseline
▲ 0.50% · 4.625%
HK$94,012
+HK$4,707/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,610/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,920
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,966
−HK$3,095/mo
Today · 4.125%
HK$104,061
baseline
▲ 0.50% · 4.625%
HK$110,392
+HK$6,331/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,122/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,935
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,857
−HK$2,964/mo
Today · 4.125%
HK$114,821
baseline
▲ 0.50% · 4.625%
HK$120,873
+HK$6,052/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,642/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,922 · Scale 2, in force from 26 Feb 2026)