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$54,429
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,122
−HK$1,721/mo
Today · 4.125%
HK$57,843
baseline
▲ 0.50% · 4.625%
HK$61,362
+HK$3,519/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,686/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,552
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,176
−HK$1,648/mo
Today · 4.125%
HK$63,824
baseline
▲ 0.50% · 4.625%
HK$67,188
+HK$3,364/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,648/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,315
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,347
−HK$2,064/mo
Today · 4.125%
HK$69,411
baseline
▲ 0.50% · 4.625%
HK$73,635
+HK$4,224/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,822/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,663
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,611
−HK$1,977/mo
Today · 4.125%
HK$76,588
baseline
▲ 0.50% · 4.625%
HK$80,625
+HK$4,037/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,176/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,201
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,571
−HK$2,409/mo
Today · 4.125%
HK$80,980
baseline
▲ 0.50% · 4.625%
HK$85,907
+HK$4,927/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,960/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,773
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,047
−HK$2,306/mo
Today · 4.125%
HK$89,353
baseline
▲ 0.50% · 4.625%
HK$94,063
+HK$4,710/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,706/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,973
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,020
−HK$3,097/mo
Today · 4.125%
HK$104,117
baseline
▲ 0.50% · 4.625%
HK$110,452
+HK$6,335/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,234/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,994
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,917
−HK$2,966/mo
Today · 4.125%
HK$114,883
baseline
▲ 0.50% · 4.625%
HK$120,938
+HK$6,055/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,766/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,470 · Scale 2, in force from 26 Feb 2026)