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$54,450
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,144
−HK$1,721/mo
Today · 4.125%
HK$57,865
baseline
▲ 0.50% · 4.625%
HK$61,386
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,730/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,575
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,200
−HK$1,648/mo
Today · 4.125%
HK$63,848
baseline
▲ 0.50% · 4.625%
HK$67,214
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,696/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,340
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,373
−HK$2,065/mo
Today · 4.125%
HK$69,438
baseline
▲ 0.50% · 4.625%
HK$73,663
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,876/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,691
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,640
−HK$1,978/mo
Today · 4.125%
HK$76,618
baseline
▲ 0.50% · 4.625%
HK$80,656
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,236/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,230
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,602
−HK$2,409/mo
Today · 4.125%
HK$81,011
baseline
▲ 0.50% · 4.625%
HK$85,940
+HK$4,929/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$162,022/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,806
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,080
−HK$2,307/mo
Today · 4.125%
HK$89,387
baseline
▲ 0.50% · 4.625%
HK$94,099
+HK$4,712/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$178,774/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,011
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,059
−HK$3,098/mo
Today · 4.125%
HK$104,157
baseline
▲ 0.50% · 4.625%
HK$110,494
+HK$6,337/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,314/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,036
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,960
−HK$2,967/mo
Today · 4.125%
HK$114,927
baseline
▲ 0.50% · 4.625%
HK$120,985
+HK$6,058/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,854/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,859 · Scale 2, in force from 26 Feb 2026)