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$54,409
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,101
−HK$1,720/mo
Today · 4.125%
HK$57,821
baseline
▲ 0.50% · 4.625%
HK$61,339
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,642/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,529
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,152
−HK$1,647/mo
Today · 4.125%
HK$63,799
baseline
▲ 0.50% · 4.625%
HK$67,162
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,598/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,290
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,321
−HK$2,064/mo
Today · 4.125%
HK$69,385
baseline
▲ 0.50% · 4.625%
HK$73,607
+HK$4,222/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$138,770/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,635
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,583
−HK$1,976/mo
Today · 4.125%
HK$76,559
baseline
▲ 0.50% · 4.625%
HK$80,595
+HK$4,036/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$153,118/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,172
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,542
−HK$2,407/mo
Today · 4.125%
HK$80,949
baseline
▲ 0.50% · 4.625%
HK$85,874
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,898/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,741
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,013
−HK$2,306/mo
Today · 4.125%
HK$89,319
baseline
▲ 0.50% · 4.625%
HK$94,027
+HK$4,708/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,638/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,936
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,982
−HK$3,095/mo
Today · 4.125%
HK$104,077
baseline
▲ 0.50% · 4.625%
HK$110,410
+HK$6,333/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,154/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,952
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,874
−HK$2,965/mo
Today · 4.125%
HK$114,839
baseline
▲ 0.50% · 4.625%
HK$120,892
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,678/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,083 · Scale 2, in force from 26 Feb 2026)