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$54,463
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,157
−HK$1,721/mo
Today · 4.125%
HK$57,878
baseline
▲ 0.50% · 4.625%
HK$61,400
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,756/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,589
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,214
−HK$1,649/mo
Today · 4.125%
HK$63,863
baseline
▲ 0.50% · 4.625%
HK$67,229
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,726/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,355
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,388
−HK$2,066/mo
Today · 4.125%
HK$69,454
baseline
▲ 0.50% · 4.625%
HK$73,680
+HK$4,226/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,908/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,707
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,657
−HK$1,978/mo
Today · 4.125%
HK$76,635
baseline
▲ 0.50% · 4.625%
HK$80,675
+HK$4,040/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,270/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,248
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,620
−HK$2,409/mo
Today · 4.125%
HK$81,029
baseline
▲ 0.50% · 4.625%
HK$85,960
+HK$4,931/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,058/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,825
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,100
−HK$2,308/mo
Today · 4.125%
HK$89,408
baseline
▲ 0.50% · 4.625%
HK$94,121
+HK$4,713/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,816/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,033
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,082
−HK$3,098/mo
Today · 4.125%
HK$104,180
baseline
▲ 0.50% · 4.625%
HK$110,520
+HK$6,340/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,360/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,061
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,986
−HK$2,967/mo
Today · 4.125%
HK$114,953
baseline
▲ 0.50% · 4.625%
HK$121,012
+HK$6,059/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,906/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,091 · Scale 2, in force from 26 Feb 2026)