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$54,395
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,087
−HK$1,719/mo
Today · 4.125%
HK$57,806
baseline
▲ 0.50% · 4.625%
HK$61,323
+HK$3,517/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,612/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,513
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,136
−HK$1,647/mo
Today · 4.125%
HK$63,783
baseline
▲ 0.50% · 4.625%
HK$67,145
+HK$3,362/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,566/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,274
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,304
−HK$2,063/mo
Today · 4.125%
HK$69,367
baseline
▲ 0.50% · 4.625%
HK$73,588
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,734/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,616
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,564
−HK$1,975/mo
Today · 4.125%
HK$76,539
baseline
▲ 0.50% · 4.625%
HK$80,574
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,078/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,152
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,521
−HK$2,407/mo
Today · 4.125%
HK$80,928
baseline
▲ 0.50% · 4.625%
HK$85,852
+HK$4,924/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,856/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,719
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,991
−HK$2,305/mo
Today · 4.125%
HK$89,296
baseline
▲ 0.50% · 4.625%
HK$94,003
+HK$4,707/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,592/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,910
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,956
−HK$3,094/mo
Today · 4.125%
HK$104,050
baseline
▲ 0.50% · 4.625%
HK$110,381
+HK$6,331/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,100/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,924
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,845
−HK$2,964/mo
Today · 4.125%
HK$114,809
baseline
▲ 0.50% · 4.625%
HK$120,861
+HK$6,052/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,618/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,821 · Scale 2, in force from 26 Feb 2026)