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$54,401
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,093
−HK$1,719/mo
Today · 4.125%
HK$57,812
baseline
▲ 0.50% · 4.625%
HK$61,330
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,624/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,521
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,144
−HK$1,646/mo
Today · 4.125%
HK$63,790
baseline
▲ 0.50% · 4.625%
HK$67,153
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,580/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,281
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,312
−HK$2,063/mo
Today · 4.125%
HK$69,375
baseline
▲ 0.50% · 4.625%
HK$73,596
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,750/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,625
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,572
−HK$1,976/mo
Today · 4.125%
HK$76,548
baseline
▲ 0.50% · 4.625%
HK$80,583
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,096/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,161
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,530
−HK$2,407/mo
Today · 4.125%
HK$80,937
baseline
▲ 0.50% · 4.625%
HK$85,862
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,874/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,729
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$87,001
−HK$2,305/mo
Today · 4.125%
HK$89,306
baseline
▲ 0.50% · 4.625%
HK$94,014
+HK$4,708/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,612/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,922
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,968
−HK$3,094/mo
Today · 4.125%
HK$104,062
baseline
▲ 0.50% · 4.625%
HK$110,394
+HK$6,332/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,124/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,937
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,859
−HK$2,963/mo
Today · 4.125%
HK$114,822
baseline
▲ 0.50% · 4.625%
HK$120,875
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,644/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,940 · Scale 2, in force from 26 Feb 2026)