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$54,482
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,177
−HK$1,721/mo
Today · 4.125%
HK$57,898
baseline
▲ 0.50% · 4.625%
HK$61,421
+HK$3,523/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,796/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,611
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,236
−HK$1,649/mo
Today · 4.125%
HK$63,885
baseline
▲ 0.50% · 4.625%
HK$67,253
+HK$3,368/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,770/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,378
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,412
−HK$2,066/mo
Today · 4.125%
HK$69,478
baseline
▲ 0.50% · 4.625%
HK$73,706
+HK$4,228/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,956/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,733
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,683
−HK$1,979/mo
Today · 4.125%
HK$76,662
baseline
▲ 0.50% · 4.625%
HK$80,703
+HK$4,041/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,324/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,275
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,647
−HK$2,411/mo
Today · 4.125%
HK$81,058
baseline
▲ 0.50% · 4.625%
HK$85,990
+HK$4,932/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,116/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,855
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,131
−HK$2,308/mo
Today · 4.125%
HK$89,439
baseline
▲ 0.50% · 4.625%
HK$94,154
+HK$4,715/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,878/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,068
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,118
−HK$3,099/mo
Today · 4.125%
HK$104,217
baseline
▲ 0.50% · 4.625%
HK$110,559
+HK$6,342/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,434/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,099
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,025
−HK$2,968/mo
Today · 4.125%
HK$114,993
baseline
▲ 0.50% · 4.625%
HK$121,055
+HK$6,062/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,986/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,450 · Scale 2, in force from 26 Feb 2026)