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$54,497
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,192
−HK$1,722/mo
Today · 4.125%
HK$57,914
baseline
▲ 0.50% · 4.625%
HK$61,438
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,828/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,627
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,253
−HK$1,650/mo
Today · 4.125%
HK$63,903
baseline
▲ 0.50% · 4.625%
HK$67,271
+HK$3,368/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,806/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,396
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,430
−HK$2,067/mo
Today · 4.125%
HK$69,497
baseline
▲ 0.50% · 4.625%
HK$73,726
+HK$4,229/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,994/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,753
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,704
−HK$1,979/mo
Today · 4.125%
HK$76,683
baseline
▲ 0.50% · 4.625%
HK$80,725
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,366/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,296
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,669
−HK$2,411/mo
Today · 4.125%
HK$81,080
baseline
▲ 0.50% · 4.625%
HK$86,013
+HK$4,933/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,160/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,878
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,154
−HK$2,310/mo
Today · 4.125%
HK$89,464
baseline
▲ 0.50% · 4.625%
HK$94,179
+HK$4,715/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,928/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,094
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,146
−HK$3,100/mo
Today · 4.125%
HK$104,246
baseline
▲ 0.50% · 4.625%
HK$110,589
+HK$6,343/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,492/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,129
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,056
−HK$2,969/mo
Today · 4.125%
HK$115,025
baseline
▲ 0.50% · 4.625%
HK$121,088
+HK$6,063/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,050/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,726 · Scale 2, in force from 26 Feb 2026)