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$54,486
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,181
−HK$1,722/mo
Today · 4.125%
HK$57,903
baseline
▲ 0.50% · 4.625%
HK$61,426
+HK$3,523/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,806/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,615
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,241
−HK$1,649/mo
Today · 4.125%
HK$63,890
baseline
▲ 0.50% · 4.625%
HK$67,258
+HK$3,368/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,780/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,383
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,417
−HK$2,066/mo
Today · 4.125%
HK$69,483
baseline
▲ 0.50% · 4.625%
HK$73,711
+HK$4,228/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,966/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,738
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,689
−HK$1,979/mo
Today · 4.125%
HK$76,668
baseline
▲ 0.50% · 4.625%
HK$80,709
+HK$4,041/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,336/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,281
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,653
−HK$2,411/mo
Today · 4.125%
HK$81,064
baseline
▲ 0.50% · 4.625%
HK$85,997
+HK$4,933/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,128/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,861
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,137
−HK$2,309/mo
Today · 4.125%
HK$89,446
baseline
▲ 0.50% · 4.625%
HK$94,161
+HK$4,715/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,892/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,075
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,126
−HK$3,099/mo
Today · 4.125%
HK$104,225
baseline
▲ 0.50% · 4.625%
HK$110,567
+HK$6,342/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,450/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,108
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,034
−HK$2,968/mo
Today · 4.125%
HK$115,002
baseline
▲ 0.50% · 4.625%
HK$121,064
+HK$6,062/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,004/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,527 · Scale 2, in force from 26 Feb 2026)