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$54,492
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,187
−HK$1,723/mo
Today · 4.125%
HK$57,910
baseline
▲ 0.50% · 4.625%
HK$61,433
+HK$3,523/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,820/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,622
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,248
−HK$1,649/mo
Today · 4.125%
HK$63,897
baseline
▲ 0.50% · 4.625%
HK$67,266
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,794/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,391
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,425
−HK$2,066/mo
Today · 4.125%
HK$69,491
baseline
▲ 0.50% · 4.625%
HK$73,720
+HK$4,229/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,982/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,747
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,698
−HK$1,979/mo
Today · 4.125%
HK$76,677
baseline
▲ 0.50% · 4.625%
HK$80,719
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,354/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,289
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,662
−HK$2,411/mo
Today · 4.125%
HK$81,073
baseline
▲ 0.50% · 4.625%
HK$86,007
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,146/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,871
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,147
−HK$2,309/mo
Today · 4.125%
HK$89,456
baseline
▲ 0.50% · 4.625%
HK$94,172
+HK$4,716/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,912/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,086
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,137
−HK$3,100/mo
Today · 4.125%
HK$104,237
baseline
▲ 0.50% · 4.625%
HK$110,580
+HK$6,343/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,474/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,120
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,047
−HK$2,968/mo
Today · 4.125%
HK$115,015
baseline
▲ 0.50% · 4.625%
HK$121,078
+HK$6,063/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,030/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,644 · Scale 2, in force from 26 Feb 2026)