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$54,460
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,154
−HK$1,722/mo
Today · 4.125%
HK$57,876
baseline
▲ 0.50% · 4.625%
HK$61,397
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,752/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,587
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,212
−HK$1,648/mo
Today · 4.125%
HK$63,860
baseline
▲ 0.50% · 4.625%
HK$67,226
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,720/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,353
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,385
−HK$2,066/mo
Today · 4.125%
HK$69,451
baseline
▲ 0.50% · 4.625%
HK$73,677
+HK$4,226/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,902/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,704
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,654
−HK$1,978/mo
Today · 4.125%
HK$76,632
baseline
▲ 0.50% · 4.625%
HK$80,671
+HK$4,039/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,264/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,245
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,616
−HK$2,410/mo
Today · 4.125%
HK$81,026
baseline
▲ 0.50% · 4.625%
HK$85,956
+HK$4,930/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,052/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,821
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,096
−HK$2,308/mo
Today · 4.125%
HK$89,404
baseline
▲ 0.50% · 4.625%
HK$94,117
+HK$4,713/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,808/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,029
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,078
−HK$3,098/mo
Today · 4.125%
HK$104,176
baseline
▲ 0.50% · 4.625%
HK$110,515
+HK$6,339/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,352/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,056
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,981
−HK$2,967/mo
Today · 4.125%
HK$114,948
baseline
▲ 0.50% · 4.625%
HK$121,007
+HK$6,059/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,896/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,048 · Scale 2, in force from 26 Feb 2026)