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$54,491
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,186
−HK$1,722/mo
Today · 4.125%
HK$57,908
baseline
▲ 0.50% · 4.625%
HK$61,432
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,816/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,621
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,247
−HK$1,649/mo
Today · 4.125%
HK$63,896
baseline
▲ 0.50% · 4.625%
HK$67,264
+HK$3,368/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,792/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,389
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,423
−HK$2,067/mo
Today · 4.125%
HK$69,490
baseline
▲ 0.50% · 4.625%
HK$73,718
+HK$4,228/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,980/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,745
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,696
−HK$1,979/mo
Today · 4.125%
HK$76,675
baseline
▲ 0.50% · 4.625%
HK$80,717
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,350/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,287
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,660
−HK$2,411/mo
Today · 4.125%
HK$81,071
baseline
▲ 0.50% · 4.625%
HK$86,004
+HK$4,933/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,142/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,869
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,145
−HK$2,309/mo
Today · 4.125%
HK$89,454
baseline
▲ 0.50% · 4.625%
HK$94,169
+HK$4,715/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,908/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,084
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,135
−HK$3,100/mo
Today · 4.125%
HK$104,235
baseline
▲ 0.50% · 4.625%
HK$110,577
+HK$6,342/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,470/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,117
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,044
−HK$2,969/mo
Today · 4.125%
HK$115,013
baseline
▲ 0.50% · 4.625%
HK$121,075
+HK$6,062/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,026/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,618 · Scale 2, in force from 26 Feb 2026)