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$54,400
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,092
−HK$1,719/mo
Today · 4.125%
HK$57,811
baseline
▲ 0.50% · 4.625%
HK$61,329
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,622/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,519
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,142
−HK$1,647/mo
Today · 4.125%
HK$63,789
baseline
▲ 0.50% · 4.625%
HK$67,151
+HK$3,362/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,578/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,279
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,310
−HK$2,063/mo
Today · 4.125%
HK$69,373
baseline
▲ 0.50% · 4.625%
HK$73,594
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,746/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,623
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,570
−HK$1,976/mo
Today · 4.125%
HK$76,546
baseline
▲ 0.50% · 4.625%
HK$80,581
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,092/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,159
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,528
−HK$2,407/mo
Today · 4.125%
HK$80,935
baseline
▲ 0.50% · 4.625%
HK$85,860
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,870/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,727
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,999
−HK$2,305/mo
Today · 4.125%
HK$89,304
baseline
▲ 0.50% · 4.625%
HK$94,011
+HK$4,707/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,608/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,919
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,965
−HK$3,095/mo
Today · 4.125%
HK$104,060
baseline
▲ 0.50% · 4.625%
HK$110,391
+HK$6,331/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,120/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,934
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,856
−HK$2,963/mo
Today · 4.125%
HK$114,819
baseline
▲ 0.50% · 4.625%
HK$120,872
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,638/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,913 · Scale 2, in force from 26 Feb 2026)