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$54,405
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,097
−HK$1,719/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$1,014,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,525
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,148
−HK$1,647/mo
Today · 4.125%
HK$63,795
baseline
▲ 0.50% · 4.625%
HK$67,157
+HK$3,362/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,590/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,286
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,316
−HK$2,064/mo
Today · 4.125%
HK$69,380
baseline
▲ 0.50% · 4.625%
HK$73,601
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$138,760/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,630
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,578
−HK$1,976/mo
Today · 4.125%
HK$76,554
baseline
▲ 0.50% · 4.625%
HK$80,589
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$153,108/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,167
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,536
−HK$2,407/mo
Today · 4.125%
HK$80,943
baseline
▲ 0.50% · 4.625%
HK$85,868
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,886/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,735
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$87,007
−HK$2,305/mo
Today · 4.125%
HK$89,312
baseline
▲ 0.50% · 4.625%
HK$94,020
+HK$4,708/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$1,014,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,928
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,975
−HK$3,094/mo
Today · 4.125%
HK$104,069
baseline
▲ 0.50% · 4.625%
HK$110,402
+HK$6,333/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,138/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,944
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,866
−HK$2,964/mo
Today · 4.125%
HK$114,830
baseline
▲ 0.50% · 4.625%
HK$120,883
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,660/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,009 · Scale 2, in force from 26 Feb 2026)