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$54,418
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,111
−HK$1,719/mo
Today · 4.125%
HK$57,830
baseline
▲ 0.50% · 4.625%
HK$61,349
+HK$3,519/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,660/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,539
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,163
−HK$1,647/mo
Today · 4.125%
HK$63,810
baseline
▲ 0.50% · 4.625%
HK$67,174
+HK$3,364/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,620/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,301
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,333
−HK$2,063/mo
Today · 4.125%
HK$69,396
baseline
▲ 0.50% · 4.625%
HK$73,619
+HK$4,223/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,792/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,647
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,596
−HK$1,976/mo
Today · 4.125%
HK$76,572
baseline
▲ 0.50% · 4.625%
HK$80,608
+HK$4,036/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,144/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,185
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,555
−HK$2,408/mo
Today · 4.125%
HK$80,963
baseline
▲ 0.50% · 4.625%
HK$85,889
+HK$4,926/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,926/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,755
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,028
−HK$2,306/mo
Today · 4.125%
HK$89,334
baseline
▲ 0.50% · 4.625%
HK$94,043
+HK$4,709/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,668/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,952
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$100,999
−HK$3,096/mo
Today · 4.125%
HK$104,095
baseline
▲ 0.50% · 4.625%
HK$110,429
+HK$6,334/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,190/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,971
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,893
−HK$2,965/mo
Today · 4.125%
HK$114,858
baseline
▲ 0.50% · 4.625%
HK$120,913
+HK$6,055/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,716/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,255 · Scale 2, in force from 26 Feb 2026)