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$54,404
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,096
−HK$1,720/mo
Today · 4.125%
HK$57,816
baseline
▲ 0.50% · 4.625%
HK$61,334
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,632/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,524
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,147
−HK$1,647/mo
Today · 4.125%
HK$63,794
baseline
▲ 0.50% · 4.625%
HK$67,157
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,588/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,285
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,316
−HK$2,063/mo
Today · 4.125%
HK$69,379
baseline
▲ 0.50% · 4.625%
HK$73,600
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$138,758/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,629
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,577
−HK$1,976/mo
Today · 4.125%
HK$76,553
baseline
▲ 0.50% · 4.625%
HK$80,588
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$153,106/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,166
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,535
−HK$2,407/mo
Today · 4.125%
HK$80,942
baseline
▲ 0.50% · 4.625%
HK$85,867
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,884/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,734
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,006
−HK$2,306/mo
Today · 4.125%
HK$89,312
baseline
▲ 0.50% · 4.625%
HK$94,019
+HK$4,707/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,624/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,927
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,973
−HK$3,095/mo
Today · 4.125%
HK$104,068
baseline
▲ 0.50% · 4.625%
HK$110,401
+HK$6,333/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,136/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,943
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,865
−HK$2,964/mo
Today · 4.125%
HK$114,829
baseline
▲ 0.50% · 4.625%
HK$120,882
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,658/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,998 · Scale 2, in force from 26 Feb 2026)