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$54,495
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,190
−HK$1,722/mo
Today · 4.125%
HK$57,912
baseline
▲ 0.50% · 4.625%
HK$61,436
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,824/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,625
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,251
−HK$1,649/mo
Today · 4.125%
HK$63,900
baseline
▲ 0.50% · 4.625%
HK$67,269
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,800/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,394
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,428
−HK$2,067/mo
Today · 4.125%
HK$69,495
baseline
▲ 0.50% · 4.625%
HK$73,723
+HK$4,228/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,990/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,750
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,701
−HK$1,980/mo
Today · 4.125%
HK$76,681
baseline
▲ 0.50% · 4.625%
HK$80,722
+HK$4,041/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,362/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,293
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,666
−HK$2,411/mo
Today · 4.125%
HK$81,077
baseline
▲ 0.50% · 4.625%
HK$86,011
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,154/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,875
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,151
−HK$2,310/mo
Today · 4.125%
HK$89,461
baseline
▲ 0.50% · 4.625%
HK$94,176
+HK$4,715/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,922/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,091
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,142
−HK$3,100/mo
Today · 4.125%
HK$104,242
baseline
▲ 0.50% · 4.625%
HK$110,585
+HK$6,343/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,484/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,125
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,052
−HK$2,969/mo
Today · 4.125%
HK$115,021
baseline
▲ 0.50% · 4.625%
HK$121,084
+HK$6,063/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,042/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,691 · Scale 2, in force from 26 Feb 2026)