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$54,432
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,125
−HK$1,720/mo
Today · 4.125%
HK$57,845
baseline
▲ 0.50% · 4.625%
HK$61,365
+HK$3,520/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,690/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,555
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,179
−HK$1,647/mo
Today · 4.125%
HK$63,826
baseline
▲ 0.50% · 4.625%
HK$67,191
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,652/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,318
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,350
−HK$2,064/mo
Today · 4.125%
HK$69,414
baseline
▲ 0.50% · 4.625%
HK$73,638
+HK$4,224/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,828/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,666
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,615
−HK$1,977/mo
Today · 4.125%
HK$76,592
baseline
▲ 0.50% · 4.625%
HK$80,629
+HK$4,037/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,184/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,204
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,575
−HK$2,408/mo
Today · 4.125%
HK$80,983
baseline
▲ 0.50% · 4.625%
HK$85,911
+HK$4,928/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,966/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,777
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,050
−HK$2,307/mo
Today · 4.125%
HK$89,357
baseline
▲ 0.50% · 4.625%
HK$94,067
+HK$4,710/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,714/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,977
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,025
−HK$3,096/mo
Today · 4.125%
HK$104,121
baseline
▲ 0.50% · 4.625%
HK$110,457
+HK$6,336/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,242/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,999
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,922
−HK$2,965/mo
Today · 4.125%
HK$114,887
baseline
▲ 0.50% · 4.625%
HK$120,943
+HK$6,056/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,774/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,513 · Scale 2, in force from 26 Feb 2026)