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$54,403
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,095
−HK$1,720/mo
Today · 4.125%
HK$57,815
baseline
▲ 0.50% · 4.625%
HK$61,332
+HK$3,517/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,630/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,523
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,146
−HK$1,647/mo
Today · 4.125%
HK$63,793
baseline
▲ 0.50% · 4.625%
HK$67,155
+HK$3,362/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,586/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,284
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,314
−HK$2,063/mo
Today · 4.125%
HK$69,377
baseline
▲ 0.50% · 4.625%
HK$73,599
+HK$4,222/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,754/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,627
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,575
−HK$1,976/mo
Today · 4.125%
HK$76,551
baseline
▲ 0.50% · 4.625%
HK$80,586
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,102/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,164
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,533
−HK$2,407/mo
Today · 4.125%
HK$80,940
baseline
▲ 0.50% · 4.625%
HK$85,865
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,880/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,732
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,004
−HK$2,306/mo
Today · 4.125%
HK$89,310
baseline
▲ 0.50% · 4.625%
HK$94,017
+HK$4,707/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,620/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,925
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,971
−HK$3,095/mo
Today · 4.125%
HK$104,066
baseline
▲ 0.50% · 4.625%
HK$110,398
+HK$6,332/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,132/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,941
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,863
−HK$2,964/mo
Today · 4.125%
HK$114,827
baseline
▲ 0.50% · 4.625%
HK$120,879
+HK$6,052/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,654/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,977 · Scale 2, in force from 26 Feb 2026)