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$54,500
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,195
−HK$1,723/mo
Today · 4.125%
HK$57,918
baseline
▲ 0.50% · 4.625%
HK$61,442
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,836/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,631
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,257
−HK$1,650/mo
Today · 4.125%
HK$63,907
baseline
▲ 0.50% · 4.625%
HK$67,275
+HK$3,368/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,814/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,400
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,434
−HK$2,067/mo
Today · 4.125%
HK$69,501
baseline
▲ 0.50% · 4.625%
HK$73,730
+HK$4,229/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,002/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,757
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,708
−HK$1,980/mo
Today · 4.125%
HK$76,688
baseline
▲ 0.50% · 4.625%
HK$80,730
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,376/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,300
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,674
−HK$2,411/mo
Today · 4.125%
HK$81,085
baseline
▲ 0.50% · 4.625%
HK$86,019
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,170/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,883
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,160
−HK$2,309/mo
Today · 4.125%
HK$89,469
baseline
▲ 0.50% · 4.625%
HK$94,185
+HK$4,716/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,938/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,100
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,152
−HK$3,100/mo
Today · 4.125%
HK$104,252
baseline
▲ 0.50% · 4.625%
HK$110,595
+HK$6,343/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,504/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,136
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,063
−HK$2,969/mo
Today · 4.125%
HK$115,032
baseline
▲ 0.50% · 4.625%
HK$121,095
+HK$6,063/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,064/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,788 · Scale 2, in force from 26 Feb 2026)