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$54,422
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,115
−HK$1,720/mo
Today · 4.125%
HK$57,835
baseline
▲ 0.50% · 4.625%
HK$61,354
+HK$3,519/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,670/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,544
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,168
−HK$1,647/mo
Today · 4.125%
HK$63,815
baseline
▲ 0.50% · 4.625%
HK$67,179
+HK$3,364/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,630/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,307
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,338
−HK$2,064/mo
Today · 4.125%
HK$69,402
baseline
▲ 0.50% · 4.625%
HK$73,625
+HK$4,223/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,804/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,653
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,602
−HK$1,976/mo
Today · 4.125%
HK$76,578
baseline
▲ 0.50% · 4.625%
HK$80,615
+HK$4,037/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,156/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,191
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,561
−HK$2,408/mo
Today · 4.125%
HK$80,969
baseline
▲ 0.50% · 4.625%
HK$85,896
+HK$4,927/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,938/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,762
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,035
−HK$2,306/mo
Today · 4.125%
HK$89,341
baseline
▲ 0.50% · 4.625%
HK$94,051
+HK$4,710/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,682/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,960
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,007
−HK$3,096/mo
Today · 4.125%
HK$104,103
baseline
▲ 0.50% · 4.625%
HK$110,437
+HK$6,334/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,206/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,980
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,902
−HK$2,965/mo
Today · 4.125%
HK$114,867
baseline
▲ 0.50% · 4.625%
HK$120,922
+HK$6,055/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,734/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,336 · Scale 2, in force from 26 Feb 2026)