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$54,415
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,107
−HK$1,720/mo
Today · 4.125%
HK$57,827
baseline
▲ 0.50% · 4.625%
HK$61,346
+HK$3,519/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,654/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,536
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,159
−HK$1,647/mo
Today · 4.125%
HK$63,806
baseline
▲ 0.50% · 4.625%
HK$67,170
+HK$3,364/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,612/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,298
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,329
−HK$2,063/mo
Today · 4.125%
HK$69,392
baseline
▲ 0.50% · 4.625%
HK$73,615
+HK$4,223/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,784/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,643
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,591
−HK$1,977/mo
Today · 4.125%
HK$76,568
baseline
▲ 0.50% · 4.625%
HK$80,604
+HK$4,036/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,136/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,180
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,550
−HK$2,408/mo
Today · 4.125%
HK$80,958
baseline
▲ 0.50% · 4.625%
HK$85,884
+HK$4,926/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,916/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,750
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,023
−HK$2,306/mo
Today · 4.125%
HK$89,329
baseline
▲ 0.50% · 4.625%
HK$94,037
+HK$4,708/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,658/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,946
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,993
−HK$3,095/mo
Today · 4.125%
HK$104,088
baseline
▲ 0.50% · 4.625%
HK$110,422
+HK$6,334/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,176/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,964
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,887
−HK$2,964/mo
Today · 4.125%
HK$114,851
baseline
▲ 0.50% · 4.625%
HK$120,905
+HK$6,054/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,702/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,194 · Scale 2, in force from 26 Feb 2026)