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$54,470
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,165
−HK$1,721/mo
Today · 4.125%
HK$57,886
baseline
▲ 0.50% · 4.625%
HK$61,408
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,772/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,598
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,223
−HK$1,649/mo
Today · 4.125%
HK$63,872
baseline
▲ 0.50% · 4.625%
HK$67,238
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,744/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,364
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,398
−HK$2,065/mo
Today · 4.125%
HK$69,463
baseline
▲ 0.50% · 4.625%
HK$73,690
+HK$4,227/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$138,926/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,717
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,667
−HK$1,979/mo
Today · 4.125%
HK$76,646
baseline
▲ 0.50% · 4.625%
HK$80,686
+HK$4,040/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$153,292/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,258
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,630
−HK$2,410/mo
Today · 4.125%
HK$81,040
baseline
▲ 0.50% · 4.625%
HK$85,972
+HK$4,932/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,080/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,837
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,112
−HK$2,308/mo
Today · 4.125%
HK$89,420
baseline
▲ 0.50% · 4.625%
HK$94,134
+HK$4,714/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,840/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,046
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,096
−HK$3,099/mo
Today · 4.125%
HK$104,195
baseline
▲ 0.50% · 4.625%
HK$110,535
+HK$6,340/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,390/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,076
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,001
−HK$2,968/mo
Today · 4.125%
HK$114,969
baseline
▲ 0.50% · 4.625%
HK$121,029
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,938/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,231 · Scale 2, in force from 26 Feb 2026)