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$54,498
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,193
−HK$1,723/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$1,015,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,629
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,255
−HK$1,649/mo
Today · 4.125%
HK$63,904
baseline
▲ 0.50% · 4.625%
HK$67,273
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,808/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,398
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,432
−HK$2,067/mo
Today · 4.125%
HK$69,499
baseline
▲ 0.50% · 4.625%
HK$73,728
+HK$4,229/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,998/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,754
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,706
−HK$1,979/mo
Today · 4.125%
HK$76,685
baseline
▲ 0.50% · 4.625%
HK$80,727
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,370/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,297
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,671
−HK$2,411/mo
Today · 4.125%
HK$81,082
baseline
▲ 0.50% · 4.625%
HK$86,015
+HK$4,933/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,164/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,880
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,156
−HK$2,310/mo
Today · 4.125%
HK$89,466
baseline
▲ 0.50% · 4.625%
HK$94,182
+HK$4,716/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,932/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,097
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,148
−HK$3,100/mo
Today · 4.125%
HK$104,248
baseline
▲ 0.50% · 4.625%
HK$110,591
+HK$6,343/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,496/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,131
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,058
−HK$2,969/mo
Today · 4.125%
HK$115,027
baseline
▲ 0.50% · 4.625%
HK$121,091
+HK$6,064/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,054/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,750 · Scale 2, in force from 26 Feb 2026)