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$54,408
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,101
−HK$1,719/mo
Today · 4.125%
HK$57,820
baseline
▲ 0.50% · 4.625%
HK$61,338
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,640/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,529
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,152
−HK$1,647/mo
Today · 4.125%
HK$63,799
baseline
▲ 0.50% · 4.625%
HK$67,162
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,598/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,290
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,321
−HK$2,063/mo
Today · 4.125%
HK$69,384
baseline
▲ 0.50% · 4.625%
HK$73,606
+HK$4,222/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$138,768/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,634
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,582
−HK$1,977/mo
Today · 4.125%
HK$76,559
baseline
▲ 0.50% · 4.625%
HK$80,594
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$153,118/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,172
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,541
−HK$2,407/mo
Today · 4.125%
HK$80,948
baseline
▲ 0.50% · 4.625%
HK$85,874
+HK$4,926/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,896/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,740
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,013
−HK$2,305/mo
Today · 4.125%
HK$89,318
baseline
▲ 0.50% · 4.625%
HK$94,027
+HK$4,709/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,636/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,935
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,981
−HK$3,095/mo
Today · 4.125%
HK$104,076
baseline
▲ 0.50% · 4.625%
HK$110,409
+HK$6,333/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,152/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,952
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,874
−HK$2,964/mo
Today · 4.125%
HK$114,838
baseline
▲ 0.50% · 4.625%
HK$120,891
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,676/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,077 · Scale 2, in force from 26 Feb 2026)