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$54,333
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,023
−HK$1,717/mo
Today · 4.125%
HK$57,740
baseline
▲ 0.50% · 4.625%
HK$61,254
+HK$3,514/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,480/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,445
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,066
−HK$1,645/mo
Today · 4.125%
HK$63,711
baseline
▲ 0.50% · 4.625%
HK$67,069
+HK$3,358/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,422/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,200
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,228
−HK$2,060/mo
Today · 4.125%
HK$69,288
baseline
▲ 0.50% · 4.625%
HK$73,504
+HK$4,216/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,576/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,534
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,479
−HK$1,974/mo
Today · 4.125%
HK$76,453
baseline
▲ 0.50% · 4.625%
HK$80,483
+HK$4,030/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,906/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,066
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,433
−HK$2,403/mo
Today · 4.125%
HK$80,836
baseline
▲ 0.50% · 4.625%
HK$85,755
+HK$4,919/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,672/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,623
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,893
−HK$2,302/mo
Today · 4.125%
HK$89,195
baseline
▲ 0.50% · 4.625%
HK$93,897
+HK$4,702/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,390/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,800
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,842
−HK$3,091/mo
Today · 4.125%
HK$103,933
baseline
▲ 0.50% · 4.625%
HK$110,257
+HK$6,324/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,866/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,801
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,719
−HK$2,960/mo
Today · 4.125%
HK$114,679
baseline
▲ 0.50% · 4.625%
HK$120,724
+HK$6,045/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,358/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,676 · Scale 2, in force from 26 Feb 2026)