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$54,266
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,954
−HK$1,715/mo
Today · 4.125%
HK$57,669
baseline
▲ 0.50% · 4.625%
HK$61,178
+HK$3,509/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,338/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,371
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,990
−HK$1,642/mo
Today · 4.125%
HK$63,632
baseline
▲ 0.50% · 4.625%
HK$66,987
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,264/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,120
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,145
−HK$2,058/mo
Today · 4.125%
HK$69,203
baseline
▲ 0.50% · 4.625%
HK$73,414
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,406/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,445
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,388
−HK$1,971/mo
Today · 4.125%
HK$76,359
baseline
▲ 0.50% · 4.625%
HK$80,384
+HK$4,025/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,718/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,973
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,336
−HK$2,401/mo
Today · 4.125%
HK$80,737
baseline
▲ 0.50% · 4.625%
HK$85,650
+HK$4,913/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,474/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,519
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,786
−HK$2,299/mo
Today · 4.125%
HK$89,085
baseline
▲ 0.50% · 4.625%
HK$93,781
+HK$4,696/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,170/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,679
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,718
−HK$3,087/mo
Today · 4.125%
HK$103,805
baseline
▲ 0.50% · 4.625%
HK$110,121
+HK$6,316/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,610/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,667
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,582
−HK$2,956/mo
Today · 4.125%
HK$114,538
baseline
▲ 0.50% · 4.625%
HK$120,576
+HK$6,038/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,076/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,430 · Scale 2, in force from 26 Feb 2026)