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$54,485
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,180
−HK$1,721/mo
Today · 4.125%
HK$57,901
baseline
▲ 0.50% · 4.625%
HK$61,425
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,802/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,614
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,239
−HK$1,650/mo
Today · 4.125%
HK$63,889
baseline
▲ 0.50% · 4.625%
HK$67,256
+HK$3,367/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,778/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,382
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,415
−HK$2,067/mo
Today · 4.125%
HK$69,482
baseline
▲ 0.50% · 4.625%
HK$73,710
+HK$4,228/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,964/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,737
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,687
−HK$1,979/mo
Today · 4.125%
HK$76,666
baseline
▲ 0.50% · 4.625%
HK$80,707
+HK$4,041/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,332/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,279
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,651
−HK$2,411/mo
Today · 4.125%
HK$81,062
baseline
▲ 0.50% · 4.625%
HK$85,994
+HK$4,932/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,124/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,859
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,135
−HK$2,309/mo
Today · 4.125%
HK$89,444
baseline
▲ 0.50% · 4.625%
HK$94,159
+HK$4,715/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,888/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,073
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,123
−HK$3,100/mo
Today · 4.125%
HK$104,223
baseline
▲ 0.50% · 4.625%
HK$110,564
+HK$6,341/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,446/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,105
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,031
−HK$2,968/mo
Today · 4.125%
HK$114,999
baseline
▲ 0.50% · 4.625%
HK$121,061
+HK$6,062/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,998/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,502 · Scale 2, in force from 26 Feb 2026)