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$54,394
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,086
−HK$1,719/mo
Today · 4.125%
HK$57,805
baseline
▲ 0.50% · 4.625%
HK$61,322
+HK$3,517/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,610/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,513
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,136
−HK$1,646/mo
Today · 4.125%
HK$63,782
baseline
▲ 0.50% · 4.625%
HK$67,144
+HK$3,362/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,564/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,273
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,303
−HK$2,063/mo
Today · 4.125%
HK$69,366
baseline
▲ 0.50% · 4.625%
HK$73,587
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,732/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,615
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,563
−HK$1,975/mo
Today · 4.125%
HK$76,538
baseline
▲ 0.50% · 4.625%
HK$80,573
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,076/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,151
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,520
−HK$2,407/mo
Today · 4.125%
HK$80,927
baseline
▲ 0.50% · 4.625%
HK$85,851
+HK$4,924/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,854/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,718
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,990
−HK$2,305/mo
Today · 4.125%
HK$89,295
baseline
▲ 0.50% · 4.625%
HK$94,002
+HK$4,707/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,590/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,909
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,955
−HK$3,094/mo
Today · 4.125%
HK$104,049
baseline
▲ 0.50% · 4.625%
HK$110,380
+HK$6,331/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,098/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,923
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,844
−HK$2,964/mo
Today · 4.125%
HK$114,808
baseline
▲ 0.50% · 4.625%
HK$120,859
+HK$6,051/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,616/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,808 · Scale 2, in force from 26 Feb 2026)