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$54,499
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,194
−HK$1,723/mo
Today · 4.125%
HK$57,917
baseline
▲ 0.50% · 4.625%
HK$61,441
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,834/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,630
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,256
−HK$1,649/mo
Today · 4.125%
HK$63,905
baseline
▲ 0.50% · 4.625%
HK$67,274
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,810/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,399
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,433
−HK$2,067/mo
Today · 4.125%
HK$69,500
baseline
▲ 0.50% · 4.625%
HK$73,729
+HK$4,229/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,000/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,756
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,707
−HK$1,980/mo
Today · 4.125%
HK$76,687
baseline
▲ 0.50% · 4.625%
HK$80,729
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,374/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,299
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,672
−HK$2,411/mo
Today · 4.125%
HK$81,083
baseline
▲ 0.50% · 4.625%
HK$86,017
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,166/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,882
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,158
−HK$2,310/mo
Today · 4.125%
HK$89,468
baseline
▲ 0.50% · 4.625%
HK$94,184
+HK$4,716/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,936/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,099
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,150
−HK$3,100/mo
Today · 4.125%
HK$104,250
baseline
▲ 0.50% · 4.625%
HK$110,594
+HK$6,344/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,500/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,134
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,061
−HK$2,969/mo
Today · 4.125%
HK$115,030
baseline
▲ 0.50% · 4.625%
HK$121,093
+HK$6,063/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,060/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,770 · Scale 2, in force from 26 Feb 2026)