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$54,428
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,121
−HK$1,720/mo
Today · 4.125%
HK$57,841
baseline
▲ 0.50% · 4.625%
HK$61,361
+HK$3,520/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,682/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,551
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,175
−HK$1,647/mo
Today · 4.125%
HK$63,822
baseline
▲ 0.50% · 4.625%
HK$67,187
+HK$3,365/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,644/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,314
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,346
−HK$2,064/mo
Today · 4.125%
HK$69,410
baseline
▲ 0.50% · 4.625%
HK$73,633
+HK$4,223/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,820/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,661
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,610
−HK$1,977/mo
Today · 4.125%
HK$76,587
baseline
▲ 0.50% · 4.625%
HK$80,624
+HK$4,037/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,174/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,200
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,570
−HK$2,408/mo
Today · 4.125%
HK$80,978
baseline
▲ 0.50% · 4.625%
HK$85,905
+HK$4,927/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,956/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,771
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,045
−HK$2,306/mo
Today · 4.125%
HK$89,351
baseline
▲ 0.50% · 4.625%
HK$94,061
+HK$4,710/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,702/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,971
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,018
−HK$3,097/mo
Today · 4.125%
HK$104,115
baseline
▲ 0.50% · 4.625%
HK$110,450
+HK$6,335/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,230/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,992
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,915
−HK$2,965/mo
Today · 4.125%
HK$114,880
baseline
▲ 0.50% · 4.625%
HK$120,936
+HK$6,056/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,760/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,449 · Scale 2, in force from 26 Feb 2026)