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$54,405
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,097
−HK$1,720/mo
Today · 4.125%
HK$57,817
baseline
▲ 0.50% · 4.625%
HK$61,335
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,634/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,525
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,148
−HK$1,647/mo
Today · 4.125%
HK$63,795
baseline
▲ 0.50% · 4.625%
HK$67,158
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,590/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,286
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,317
−HK$2,063/mo
Today · 4.125%
HK$69,380
baseline
▲ 0.50% · 4.625%
HK$73,602
+HK$4,222/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$138,760/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,630
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,578
−HK$1,976/mo
Today · 4.125%
HK$76,554
baseline
▲ 0.50% · 4.625%
HK$80,589
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$153,108/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,167
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,536
−HK$2,408/mo
Today · 4.125%
HK$80,944
baseline
▲ 0.50% · 4.625%
HK$85,869
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,888/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,735
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,008
−HK$2,305/mo
Today · 4.125%
HK$89,313
baseline
▲ 0.50% · 4.625%
HK$94,021
+HK$4,708/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,626/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,929
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,975
−HK$3,095/mo
Today · 4.125%
HK$104,070
baseline
▲ 0.50% · 4.625%
HK$110,403
+HK$6,333/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,140/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,945
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,867
−HK$2,964/mo
Today · 4.125%
HK$114,831
baseline
▲ 0.50% · 4.625%
HK$120,884
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,662/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,017 · Scale 2, in force from 26 Feb 2026)