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$54,467
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,161
−HK$1,722/mo
Today · 4.125%
HK$57,883
baseline
▲ 0.50% · 4.625%
HK$61,405
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,766/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,594
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,219
−HK$1,649/mo
Today · 4.125%
HK$63,868
baseline
▲ 0.50% · 4.625%
HK$67,234
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,736/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,361
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,394
−HK$2,065/mo
Today · 4.125%
HK$69,459
baseline
▲ 0.50% · 4.625%
HK$73,686
+HK$4,227/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,918/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,713
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,663
−HK$1,978/mo
Today · 4.125%
HK$76,641
baseline
▲ 0.50% · 4.625%
HK$80,681
+HK$4,040/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,282/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,254
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,626
−HK$2,410/mo
Today · 4.125%
HK$81,036
baseline
▲ 0.50% · 4.625%
HK$85,967
+HK$4,931/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,072/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,832
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,107
−HK$2,308/mo
Today · 4.125%
HK$89,415
baseline
▲ 0.50% · 4.625%
HK$94,128
+HK$4,713/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,830/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,041
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,090
−HK$3,099/mo
Today · 4.125%
HK$104,189
baseline
▲ 0.50% · 4.625%
HK$110,528
+HK$6,339/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,378/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,069
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$111,995
−HK$2,967/mo
Today · 4.125%
HK$114,962
baseline
▲ 0.50% · 4.625%
HK$121,022
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,924/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,172 · Scale 2, in force from 26 Feb 2026)