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$54,499
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,194
−HK$1,722/mo
Today · 4.125%
HK$57,916
baseline
▲ 0.50% · 4.625%
HK$61,440
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,832/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,629
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,255
−HK$1,650/mo
Today · 4.125%
HK$63,905
baseline
▲ 0.50% · 4.625%
HK$67,274
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,810/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,399
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,433
−HK$2,067/mo
Today · 4.125%
HK$69,500
baseline
▲ 0.50% · 4.625%
HK$73,729
+HK$4,229/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,000/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,755
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,707
−HK$1,979/mo
Today · 4.125%
HK$76,686
baseline
▲ 0.50% · 4.625%
HK$80,728
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,372/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,298
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,672
−HK$2,411/mo
Today · 4.125%
HK$81,083
baseline
▲ 0.50% · 4.625%
HK$86,017
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,166/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,881
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,158
−HK$2,309/mo
Today · 4.125%
HK$89,467
baseline
▲ 0.50% · 4.625%
HK$94,183
+HK$4,716/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,934/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,098
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,149
−HK$3,101/mo
Today · 4.125%
HK$104,250
baseline
▲ 0.50% · 4.625%
HK$110,593
+HK$6,343/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,500/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,133
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,060
−HK$2,969/mo
Today · 4.125%
HK$115,029
baseline
▲ 0.50% · 4.625%
HK$121,092
+HK$6,063/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,058/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,764 · Scale 2, in force from 26 Feb 2026)