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$54,251
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,938
−HK$1,715/mo
Today · 4.125%
HK$57,653
baseline
▲ 0.50% · 4.625%
HK$61,161
+HK$3,508/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,306/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,353
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,972
−HK$1,642/mo
Today · 4.125%
HK$63,614
baseline
▲ 0.50% · 4.625%
HK$66,967
+HK$3,353/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,228/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,101
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,126
−HK$2,057/mo
Today · 4.125%
HK$69,183
baseline
▲ 0.50% · 4.625%
HK$73,393
+HK$4,210/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$138,366/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,424
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,367
−HK$1,970/mo
Today · 4.125%
HK$76,337
baseline
▲ 0.50% · 4.625%
HK$80,361
+HK$4,024/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$152,674/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,951
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,314
−HK$2,400/mo
Today · 4.125%
HK$80,714
baseline
▲ 0.50% · 4.625%
HK$85,625
+HK$4,911/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,428/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,495
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,761
−HK$2,299/mo
Today · 4.125%
HK$89,060
baseline
▲ 0.50% · 4.625%
HK$93,754
+HK$4,694/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,120/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,651
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,689
−HK$3,086/mo
Today · 4.125%
HK$103,775
baseline
▲ 0.50% · 4.625%
HK$110,090
+HK$6,315/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,550/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,636
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,550
−HK$2,956/mo
Today · 4.125%
HK$114,506
baseline
▲ 0.50% · 4.625%
HK$120,541
+HK$6,035/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$229,012/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,141 · Scale 2, in force from 26 Feb 2026)