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$54,257
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,944
−HK$1,715/mo
Today · 4.125%
HK$57,659
baseline
▲ 0.50% · 4.625%
HK$61,167
+HK$3,508/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,318/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,360
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,979
−HK$1,642/mo
Today · 4.125%
HK$63,621
baseline
▲ 0.50% · 4.625%
HK$66,974
+HK$3,353/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,242/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,108
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,133
−HK$2,058/mo
Today · 4.125%
HK$69,191
baseline
▲ 0.50% · 4.625%
HK$73,401
+HK$4,210/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,382/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,432
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,374
−HK$1,971/mo
Today · 4.125%
HK$76,345
baseline
▲ 0.50% · 4.625%
HK$80,369
+HK$4,024/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,690/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,959
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,322
−HK$2,401/mo
Today · 4.125%
HK$80,723
baseline
▲ 0.50% · 4.625%
HK$85,634
+HK$4,911/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,446/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,504
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,770
−HK$2,299/mo
Today · 4.125%
HK$89,069
baseline
▲ 0.50% · 4.625%
HK$93,764
+HK$4,695/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,138/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,662
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,700
−HK$3,086/mo
Today · 4.125%
HK$103,786
baseline
▲ 0.50% · 4.625%
HK$110,101
+HK$6,315/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,572/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,648
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,562
−HK$2,956/mo
Today · 4.125%
HK$114,518
baseline
▲ 0.50% · 4.625%
HK$120,554
+HK$6,036/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$229,036/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,248 · Scale 2, in force from 26 Feb 2026)