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$54,269
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,958
−HK$1,715/mo
Today · 4.125%
HK$57,673
baseline
▲ 0.50% · 4.625%
HK$61,182
+HK$3,509/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,346/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,374
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,993
−HK$1,643/mo
Today · 4.125%
HK$63,636
baseline
▲ 0.50% · 4.625%
HK$66,990
+HK$3,354/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,272/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,123
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,149
−HK$2,058/mo
Today · 4.125%
HK$69,207
baseline
▲ 0.50% · 4.625%
HK$73,418
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,414/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,449
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,392
−HK$1,971/mo
Today · 4.125%
HK$76,363
baseline
▲ 0.50% · 4.625%
HK$80,388
+HK$4,025/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,726/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,977
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,341
−HK$2,401/mo
Today · 4.125%
HK$80,742
baseline
▲ 0.50% · 4.625%
HK$85,655
+HK$4,913/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,484/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,524
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,791
−HK$2,299/mo
Today · 4.125%
HK$89,090
baseline
▲ 0.50% · 4.625%
HK$93,786
+HK$4,696/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,180/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,685
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,724
−HK$3,087/mo
Today · 4.125%
HK$103,811
baseline
▲ 0.50% · 4.625%
HK$110,127
+HK$6,316/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,622/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,674
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,588
−HK$2,957/mo
Today · 4.125%
HK$114,545
baseline
▲ 0.50% · 4.625%
HK$120,583
+HK$6,038/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,090/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,488 · Scale 2, in force from 26 Feb 2026)