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$54,418
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,111
−HK$1,720/mo
Today · 4.125%
HK$57,831
baseline
▲ 0.50% · 4.625%
HK$61,350
+HK$3,519/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,662/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,540
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,164
−HK$1,647/mo
Today · 4.125%
HK$63,811
baseline
▲ 0.50% · 4.625%
HK$67,174
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,622/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,302
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,333
−HK$2,064/mo
Today · 4.125%
HK$69,397
baseline
▲ 0.50% · 4.625%
HK$73,620
+HK$4,223/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,794/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,648
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,596
−HK$1,977/mo
Today · 4.125%
HK$76,573
baseline
▲ 0.50% · 4.625%
HK$80,609
+HK$4,036/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,146/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,186
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,556
−HK$2,407/mo
Today · 4.125%
HK$80,963
baseline
▲ 0.50% · 4.625%
HK$85,890
+HK$4,927/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,926/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,756
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,029
−HK$2,306/mo
Today · 4.125%
HK$89,335
baseline
▲ 0.50% · 4.625%
HK$94,044
+HK$4,709/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,670/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,953
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,000
−HK$3,096/mo
Today · 4.125%
HK$104,096
baseline
▲ 0.50% · 4.625%
HK$110,430
+HK$6,334/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,192/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,972
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,895
−HK$2,964/mo
Today · 4.125%
HK$114,859
baseline
▲ 0.50% · 4.625%
HK$120,914
+HK$6,055/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,718/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,265 · Scale 2, in force from 26 Feb 2026)