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$54,495
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,190
−HK$1,723/mo
Today · 4.125%
HK$57,913
baseline
▲ 0.50% · 4.625%
HK$61,437
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,826/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,626
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,251
−HK$1,650/mo
Today · 4.125%
HK$63,901
baseline
▲ 0.50% · 4.625%
HK$67,269
+HK$3,368/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,802/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,394
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,429
−HK$2,066/mo
Today · 4.125%
HK$69,495
baseline
▲ 0.50% · 4.625%
HK$73,724
+HK$4,229/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,990/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,751
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,702
−HK$1,979/mo
Today · 4.125%
HK$76,681
baseline
▲ 0.50% · 4.625%
HK$80,723
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,362/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,293
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,667
−HK$2,411/mo
Today · 4.125%
HK$81,078
baseline
▲ 0.50% · 4.625%
HK$86,011
+HK$4,933/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,156/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,876
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,152
−HK$2,309/mo
Today · 4.125%
HK$89,461
baseline
▲ 0.50% · 4.625%
HK$94,177
+HK$4,716/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,922/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,092
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,143
−HK$3,100/mo
Today · 4.125%
HK$104,243
baseline
▲ 0.50% · 4.625%
HK$110,586
+HK$6,343/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,486/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,126
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,053
−HK$2,969/mo
Today · 4.125%
HK$115,022
baseline
▲ 0.50% · 4.625%
HK$121,085
+HK$6,063/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,044/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,699 · Scale 2, in force from 26 Feb 2026)