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$54,441
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,135
−HK$1,720/mo
Today · 4.125%
HK$57,855
baseline
▲ 0.50% · 4.625%
HK$61,375
+HK$3,520/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,710/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,565
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,190
−HK$1,647/mo
Today · 4.125%
HK$63,837
baseline
▲ 0.50% · 4.625%
HK$67,202
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,674/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,329
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,361
−HK$2,065/mo
Today · 4.125%
HK$69,426
baseline
▲ 0.50% · 4.625%
HK$73,650
+HK$4,224/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,852/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,678
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,627
−HK$1,978/mo
Today · 4.125%
HK$76,605
baseline
▲ 0.50% · 4.625%
HK$80,643
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,210/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,218
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,588
−HK$2,409/mo
Today · 4.125%
HK$80,997
baseline
▲ 0.50% · 4.625%
HK$85,926
+HK$4,929/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,994/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,791
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,065
−HK$2,307/mo
Today · 4.125%
HK$89,372
baseline
▲ 0.50% · 4.625%
HK$94,083
+HK$4,711/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,744/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,994
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,042
−HK$3,097/mo
Today · 4.125%
HK$104,139
baseline
▲ 0.50% · 4.625%
HK$110,476
+HK$6,337/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,278/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,017
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,941
−HK$2,966/mo
Today · 4.125%
HK$114,907
baseline
▲ 0.50% · 4.625%
HK$120,964
+HK$6,057/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,814/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,688 · Scale 2, in force from 26 Feb 2026)