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$54,406
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,099
−HK$1,719/mo
Today · 4.125%
HK$57,818
baseline
▲ 0.50% · 4.625%
HK$61,336
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,636/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,526
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,150
−HK$1,646/mo
Today · 4.125%
HK$63,796
baseline
▲ 0.50% · 4.625%
HK$67,159
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,592/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,287
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,318
−HK$2,064/mo
Today · 4.125%
HK$69,382
baseline
▲ 0.50% · 4.625%
HK$73,603
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$138,764/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,632
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,580
−HK$1,976/mo
Today · 4.125%
HK$76,556
baseline
▲ 0.50% · 4.625%
HK$80,591
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$153,112/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,169
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,538
−HK$2,407/mo
Today · 4.125%
HK$80,945
baseline
▲ 0.50% · 4.625%
HK$85,870
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,890/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,737
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,010
−HK$2,305/mo
Today · 4.125%
HK$89,315
baseline
▲ 0.50% · 4.625%
HK$94,023
+HK$4,708/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,630/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,931
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,977
−HK$3,095/mo
Today · 4.125%
HK$104,072
baseline
▲ 0.50% · 4.625%
HK$110,405
+HK$6,333/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,144/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,947
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,869
−HK$2,965/mo
Today · 4.125%
HK$114,834
baseline
▲ 0.50% · 4.625%
HK$120,887
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,668/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,037 · Scale 2, in force from 26 Feb 2026)