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$54,327
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,016
−HK$1,717/mo
Today · 4.125%
HK$57,733
baseline
▲ 0.50% · 4.625%
HK$61,246
+HK$3,513/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,466/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,438
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,059
−HK$1,644/mo
Today · 4.125%
HK$63,703
baseline
▲ 0.50% · 4.625%
HK$67,061
+HK$3,358/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,406/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,192
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,220
−HK$2,060/mo
Today · 4.125%
HK$69,280
baseline
▲ 0.50% · 4.625%
HK$73,496
+HK$4,216/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,560/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,525
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,470
−HK$1,974/mo
Today · 4.125%
HK$76,444
baseline
▲ 0.50% · 4.625%
HK$80,473
+HK$4,029/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,888/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,057
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,423
−HK$2,404/mo
Today · 4.125%
HK$80,827
baseline
▲ 0.50% · 4.625%
HK$85,745
+HK$4,918/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,654/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,613
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,882
−HK$2,302/mo
Today · 4.125%
HK$89,184
baseline
▲ 0.50% · 4.625%
HK$93,885
+HK$4,701/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,368/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,788
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$100,830
−HK$3,090/mo
Today · 4.125%
HK$103,920
baseline
▲ 0.50% · 4.625%
HK$110,243
+HK$6,323/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,840/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,788
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,706
−HK$2,959/mo
Today · 4.125%
HK$114,665
baseline
▲ 0.50% · 4.625%
HK$120,710
+HK$6,045/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,330/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,553 · Scale 2, in force from 26 Feb 2026)