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$54,468
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,162
−HK$1,722/mo
Today · 4.125%
HK$57,884
baseline
▲ 0.50% · 4.625%
HK$61,406
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,768/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,595
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,220
−HK$1,649/mo
Today · 4.125%
HK$63,869
baseline
▲ 0.50% · 4.625%
HK$67,236
+HK$3,367/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,738/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,362
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,395
−HK$2,065/mo
Today · 4.125%
HK$69,460
baseline
▲ 0.50% · 4.625%
HK$73,687
+HK$4,227/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,920/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,714
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,664
−HK$1,979/mo
Today · 4.125%
HK$76,643
baseline
▲ 0.50% · 4.625%
HK$80,683
+HK$4,040/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,286/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,255
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,627
−HK$2,410/mo
Today · 4.125%
HK$81,037
baseline
▲ 0.50% · 4.625%
HK$85,968
+HK$4,931/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,074/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,833
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,108
−HK$2,309/mo
Today · 4.125%
HK$89,417
baseline
▲ 0.50% · 4.625%
HK$94,130
+HK$4,713/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,834/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,043
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,092
−HK$3,099/mo
Today · 4.125%
HK$104,191
baseline
▲ 0.50% · 4.625%
HK$110,530
+HK$6,339/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,382/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,071
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$111,997
−HK$2,967/mo
Today · 4.125%
HK$114,964
baseline
▲ 0.50% · 4.625%
HK$121,024
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,928/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,191 · Scale 2, in force from 26 Feb 2026)