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$54,489
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,184
−HK$1,722/mo
Today · 4.125%
HK$57,906
baseline
▲ 0.50% · 4.625%
HK$61,429
+HK$3,523/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,812/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,618
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,244
−HK$1,649/mo
Today · 4.125%
HK$63,893
baseline
▲ 0.50% · 4.625%
HK$67,261
+HK$3,368/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,786/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,386
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,420
−HK$2,067/mo
Today · 4.125%
HK$69,487
baseline
▲ 0.50% · 4.625%
HK$73,715
+HK$4,228/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,974/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,742
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,693
−HK$1,979/mo
Today · 4.125%
HK$76,672
baseline
▲ 0.50% · 4.625%
HK$80,713
+HK$4,041/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,344/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,284
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,657
−HK$2,411/mo
Today · 4.125%
HK$81,068
baseline
▲ 0.50% · 4.625%
HK$86,001
+HK$4,933/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,136/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,865
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,141
−HK$2,309/mo
Today · 4.125%
HK$89,450
baseline
▲ 0.50% · 4.625%
HK$94,166
+HK$4,716/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,900/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,080
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,131
−HK$3,099/mo
Today · 4.125%
HK$104,230
baseline
▲ 0.50% · 4.625%
HK$110,572
+HK$6,342/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,460/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,113
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,039
−HK$2,969/mo
Today · 4.125%
HK$115,008
baseline
▲ 0.50% · 4.625%
HK$121,070
+HK$6,062/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,016/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,575 · Scale 2, in force from 26 Feb 2026)