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$54,469
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,164
−HK$1,721/mo
Today · 4.125%
HK$57,885
baseline
▲ 0.50% · 4.625%
HK$61,407
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,770/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,596
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,222
−HK$1,648/mo
Today · 4.125%
HK$63,870
baseline
▲ 0.50% · 4.625%
HK$67,237
+HK$3,367/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,740/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,363
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,396
−HK$2,066/mo
Today · 4.125%
HK$69,462
baseline
▲ 0.50% · 4.625%
HK$73,689
+HK$4,227/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,924/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,716
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,666
−HK$1,978/mo
Today · 4.125%
HK$76,644
baseline
▲ 0.50% · 4.625%
HK$80,684
+HK$4,040/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,288/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,257
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,629
−HK$2,410/mo
Today · 4.125%
HK$81,039
baseline
▲ 0.50% · 4.625%
HK$85,970
+HK$4,931/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,078/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,835
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,110
−HK$2,308/mo
Today · 4.125%
HK$89,418
baseline
▲ 0.50% · 4.625%
HK$94,132
+HK$4,714/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,836/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,045
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,094
−HK$3,099/mo
Today · 4.125%
HK$104,193
baseline
▲ 0.50% · 4.625%
HK$110,533
+HK$6,340/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,386/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,074
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$111,999
−HK$2,968/mo
Today · 4.125%
HK$114,967
baseline
▲ 0.50% · 4.625%
HK$121,027
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,934/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,212 · Scale 2, in force from 26 Feb 2026)