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$54,467
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,161
−HK$1,721/mo
Today · 4.125%
HK$57,882
baseline
▲ 0.50% · 4.625%
HK$61,404
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,764/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,594
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,219
−HK$1,648/mo
Today · 4.125%
HK$63,867
baseline
▲ 0.50% · 4.625%
HK$67,234
+HK$3,367/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,734/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,360
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,393
−HK$2,066/mo
Today · 4.125%
HK$69,459
baseline
▲ 0.50% · 4.625%
HK$73,685
+HK$4,226/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,918/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,712
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,663
−HK$1,978/mo
Today · 4.125%
HK$76,641
baseline
▲ 0.50% · 4.625%
HK$80,681
+HK$4,040/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,282/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,253
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,625
−HK$2,410/mo
Today · 4.125%
HK$81,035
baseline
▲ 0.50% · 4.625%
HK$85,966
+HK$4,931/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,070/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,831
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,106
−HK$2,308/mo
Today · 4.125%
HK$89,414
baseline
▲ 0.50% · 4.625%
HK$94,128
+HK$4,714/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,828/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,040
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,090
−HK$3,098/mo
Today · 4.125%
HK$104,188
baseline
▲ 0.50% · 4.625%
HK$110,528
+HK$6,340/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,376/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,069
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,994
−HK$2,967/mo
Today · 4.125%
HK$114,961
baseline
▲ 0.50% · 4.625%
HK$121,021
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,922/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,166 · Scale 2, in force from 26 Feb 2026)