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$54,442
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,135
−HK$1,721/mo
Today · 4.125%
HK$57,856
baseline
▲ 0.50% · 4.625%
HK$61,376
+HK$3,520/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,712/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,566
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,190
−HK$1,648/mo
Today · 4.125%
HK$63,838
baseline
▲ 0.50% · 4.625%
HK$67,203
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,676/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,330
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,362
−HK$2,065/mo
Today · 4.125%
HK$69,427
baseline
▲ 0.50% · 4.625%
HK$73,651
+HK$4,224/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,854/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,679
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,628
−HK$1,978/mo
Today · 4.125%
HK$76,606
baseline
▲ 0.50% · 4.625%
HK$80,644
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,212/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,219
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,589
−HK$2,409/mo
Today · 4.125%
HK$80,998
baseline
▲ 0.50% · 4.625%
HK$85,927
+HK$4,929/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,996/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,792
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,067
−HK$2,307/mo
Today · 4.125%
HK$89,374
baseline
▲ 0.50% · 4.625%
HK$94,085
+HK$4,711/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,748/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,995
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,044
−HK$3,097/mo
Today · 4.125%
HK$104,141
baseline
▲ 0.50% · 4.625%
HK$110,477
+HK$6,336/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,282/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,019
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,943
−HK$2,966/mo
Today · 4.125%
HK$114,909
baseline
▲ 0.50% · 4.625%
HK$120,966
+HK$6,057/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,818/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,702 · Scale 2, in force from 26 Feb 2026)