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$54,475
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,169
−HK$1,722/mo
Today · 4.125%
HK$57,891
baseline
▲ 0.50% · 4.625%
HK$61,413
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,782/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,603
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,228
−HK$1,649/mo
Today · 4.125%
HK$63,877
baseline
▲ 0.50% · 4.625%
HK$67,244
+HK$3,367/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,754/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,370
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,403
−HK$2,066/mo
Today · 4.125%
HK$69,469
baseline
▲ 0.50% · 4.625%
HK$73,696
+HK$4,227/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$138,938/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,723
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,673
−HK$1,979/mo
Today · 4.125%
HK$76,652
baseline
▲ 0.50% · 4.625%
HK$80,693
+HK$4,041/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$153,304/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,265
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,637
−HK$2,410/mo
Today · 4.125%
HK$81,047
baseline
▲ 0.50% · 4.625%
HK$85,979
+HK$4,932/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,094/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,844
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,119
−HK$2,308/mo
Today · 4.125%
HK$89,427
baseline
▲ 0.50% · 4.625%
HK$94,141
+HK$4,714/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,854/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,054
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,105
−HK$3,098/mo
Today · 4.125%
HK$104,203
baseline
▲ 0.50% · 4.625%
HK$110,544
+HK$6,341/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,406/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,085
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,010
−HK$2,968/mo
Today · 4.125%
HK$114,978
baseline
▲ 0.50% · 4.625%
HK$121,039
+HK$6,061/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,956/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,314 · Scale 2, in force from 26 Feb 2026)