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$54,502
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,197
−HK$1,723/mo
Today · 4.125%
HK$57,920
baseline
▲ 0.50% · 4.625%
HK$61,444
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,840/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,633
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,259
−HK$1,650/mo
Today · 4.125%
HK$63,909
baseline
▲ 0.50% · 4.625%
HK$67,278
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,818/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,403
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,437
−HK$2,067/mo
Today · 4.125%
HK$69,504
baseline
▲ 0.50% · 4.625%
HK$73,733
+HK$4,229/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,008/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,760
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,711
−HK$1,980/mo
Today · 4.125%
HK$76,691
baseline
▲ 0.50% · 4.625%
HK$80,733
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,382/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,303
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,676
−HK$2,412/mo
Today · 4.125%
HK$81,088
baseline
▲ 0.50% · 4.625%
HK$86,022
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,176/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,886
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,163
−HK$2,309/mo
Today · 4.125%
HK$89,472
baseline
▲ 0.50% · 4.625%
HK$94,189
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,944/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,104
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,155
−HK$3,101/mo
Today · 4.125%
HK$104,256
baseline
▲ 0.50% · 4.625%
HK$110,600
+HK$6,344/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,512/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,140
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,067
−HK$2,969/mo
Today · 4.125%
HK$115,036
baseline
▲ 0.50% · 4.625%
HK$121,100
+HK$6,064/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,072/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,825 · Scale 2, in force from 26 Feb 2026)