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$54,480
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,174
−HK$1,722/mo
Today · 4.125%
HK$57,896
baseline
▲ 0.50% · 4.625%
HK$61,419
+HK$3,523/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,792/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,608
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,234
−HK$1,649/mo
Today · 4.125%
HK$63,883
baseline
▲ 0.50% · 4.625%
HK$67,250
+HK$3,367/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,766/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,376
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,409
−HK$2,066/mo
Today · 4.125%
HK$69,475
baseline
▲ 0.50% · 4.625%
HK$73,703
+HK$4,228/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,950/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,730
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,680
−HK$1,979/mo
Today · 4.125%
HK$76,659
baseline
▲ 0.50% · 4.625%
HK$80,700
+HK$4,041/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,318/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,271
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,644
−HK$2,410/mo
Today · 4.125%
HK$81,054
baseline
▲ 0.50% · 4.625%
HK$85,986
+HK$4,932/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,108/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,851
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,127
−HK$2,309/mo
Today · 4.125%
HK$89,436
baseline
▲ 0.50% · 4.625%
HK$94,150
+HK$4,714/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,872/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,063
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,114
−HK$3,099/mo
Today · 4.125%
HK$104,213
baseline
▲ 0.50% · 4.625%
HK$110,554
+HK$6,341/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,426/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,094
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,020
−HK$2,969/mo
Today · 4.125%
HK$114,989
baseline
▲ 0.50% · 4.625%
HK$121,050
+HK$6,061/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,978/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,406 · Scale 2, in force from 26 Feb 2026)