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$54,466
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,160
−HK$1,722/mo
Today · 4.125%
HK$57,882
baseline
▲ 0.50% · 4.625%
HK$61,404
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,764/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,593
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,218
−HK$1,649/mo
Today · 4.125%
HK$63,867
baseline
▲ 0.50% · 4.625%
HK$67,233
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,734/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,360
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,393
−HK$2,065/mo
Today · 4.125%
HK$69,458
baseline
▲ 0.50% · 4.625%
HK$73,685
+HK$4,227/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,916/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,712
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,662
−HK$1,978/mo
Today · 4.125%
HK$76,640
baseline
▲ 0.50% · 4.625%
HK$80,680
+HK$4,040/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,280/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,253
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,625
−HK$2,409/mo
Today · 4.125%
HK$81,034
baseline
▲ 0.50% · 4.625%
HK$85,965
+HK$4,931/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,068/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,830
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,106
−HK$2,308/mo
Today · 4.125%
HK$89,414
baseline
▲ 0.50% · 4.625%
HK$94,127
+HK$4,713/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,828/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,039
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,089
−HK$3,098/mo
Today · 4.125%
HK$104,187
baseline
▲ 0.50% · 4.625%
HK$110,527
+HK$6,340/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,374/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,068
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,993
−HK$2,967/mo
Today · 4.125%
HK$114,960
baseline
▲ 0.50% · 4.625%
HK$121,020
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,920/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,157 · Scale 2, in force from 26 Feb 2026)