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$54,452
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,145
−HK$1,721/mo
Today · 4.125%
HK$57,866
baseline
▲ 0.50% · 4.625%
HK$61,387
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,732/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,577
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,201
−HK$1,649/mo
Today · 4.125%
HK$63,850
baseline
▲ 0.50% · 4.625%
HK$67,215
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,700/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,342
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,374
−HK$2,065/mo
Today · 4.125%
HK$69,439
baseline
▲ 0.50% · 4.625%
HK$73,665
+HK$4,226/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,878/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,692
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,642
−HK$1,978/mo
Today · 4.125%
HK$76,620
baseline
▲ 0.50% · 4.625%
HK$80,658
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,240/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,232
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,603
−HK$2,410/mo
Today · 4.125%
HK$81,013
baseline
▲ 0.50% · 4.625%
HK$85,942
+HK$4,929/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$162,026/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,808
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,082
−HK$2,307/mo
Today · 4.125%
HK$89,389
baseline
▲ 0.50% · 4.625%
HK$94,101
+HK$4,712/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$178,778/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,013
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,062
−HK$3,097/mo
Today · 4.125%
HK$104,159
baseline
▲ 0.50% · 4.625%
HK$110,497
+HK$6,338/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,318/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,038
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,963
−HK$2,966/mo
Today · 4.125%
HK$114,929
baseline
▲ 0.50% · 4.625%
HK$120,987
+HK$6,058/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,858/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,883 · Scale 2, in force from 26 Feb 2026)