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$54,511
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,206
−HK$1,723/mo
Today · 4.125%
HK$57,929
baseline
▲ 0.50% · 4.625%
HK$61,454
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,858/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,643
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,269
−HK$1,650/mo
Today · 4.125%
HK$63,919
baseline
▲ 0.50% · 4.625%
HK$67,288
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,838/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,413
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,448
−HK$2,067/mo
Today · 4.125%
HK$69,515
baseline
▲ 0.50% · 4.625%
HK$73,745
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,030/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,771
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,723
−HK$1,980/mo
Today · 4.125%
HK$76,703
baseline
▲ 0.50% · 4.625%
HK$80,746
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,406/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,315
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,689
−HK$2,412/mo
Today · 4.125%
HK$81,101
baseline
▲ 0.50% · 4.625%
HK$86,036
+HK$4,935/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,202/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,900
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,177
−HK$2,310/mo
Today · 4.125%
HK$89,487
baseline
▲ 0.50% · 4.625%
HK$94,204
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,974/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,119
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,172
−HK$3,100/mo
Today · 4.125%
HK$104,272
baseline
▲ 0.50% · 4.625%
HK$110,617
+HK$6,345/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,544/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,157
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,084
−HK$2,970/mo
Today · 4.125%
HK$115,054
baseline
▲ 0.50% · 4.625%
HK$121,119
+HK$6,065/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,108/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,987 · Scale 2, in force from 26 Feb 2026)