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$54,443
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,136
−HK$1,721/mo
Today · 4.125%
HK$57,857
baseline
▲ 0.50% · 4.625%
HK$61,377
+HK$3,520/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,714/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,567
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,191
−HK$1,648/mo
Today · 4.125%
HK$63,839
baseline
▲ 0.50% · 4.625%
HK$67,204
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,678/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,331
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,364
−HK$2,064/mo
Today · 4.125%
HK$69,428
baseline
▲ 0.50% · 4.625%
HK$73,653
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,856/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,680
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,630
−HK$1,977/mo
Today · 4.125%
HK$76,607
baseline
▲ 0.50% · 4.625%
HK$80,645
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,214/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,220
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,591
−HK$2,409/mo
Today · 4.125%
HK$81,000
baseline
▲ 0.50% · 4.625%
HK$85,928
+HK$4,928/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$162,000/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,794
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,068
−HK$2,307/mo
Today · 4.125%
HK$89,375
baseline
▲ 0.50% · 4.625%
HK$94,086
+HK$4,711/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,750/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,997
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,045
−HK$3,097/mo
Today · 4.125%
HK$104,142
baseline
▲ 0.50% · 4.625%
HK$110,479
+HK$6,337/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,284/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,021
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,945
−HK$2,966/mo
Today · 4.125%
HK$114,911
baseline
▲ 0.50% · 4.625%
HK$120,968
+HK$6,057/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,822/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,719 · Scale 2, in force from 26 Feb 2026)