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$54,292
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,981
−HK$1,716/mo
Today · 4.125%
HK$57,697
baseline
▲ 0.50% · 4.625%
HK$61,207
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,394/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,399
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,019
−HK$1,644/mo
Today · 4.125%
HK$63,663
baseline
▲ 0.50% · 4.625%
HK$67,018
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,326/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,151
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,177
−HK$2,059/mo
Today · 4.125%
HK$69,236
baseline
▲ 0.50% · 4.625%
HK$73,449
+HK$4,213/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$138,472/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,479
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,423
−HK$1,972/mo
Today · 4.125%
HK$76,395
baseline
▲ 0.50% · 4.625%
HK$80,422
+HK$4,027/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$152,790/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,009
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,373
−HK$2,402/mo
Today · 4.125%
HK$80,775
baseline
▲ 0.50% · 4.625%
HK$85,690
+HK$4,915/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,550/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,559
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,827
−HK$2,301/mo
Today · 4.125%
HK$89,128
baseline
▲ 0.50% · 4.625%
HK$93,826
+HK$4,698/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,256/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,726
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,766
−HK$3,088/mo
Today · 4.125%
HK$103,854
baseline
▲ 0.50% · 4.625%
HK$110,173
+HK$6,319/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,708/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,719
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,635
−HK$2,958/mo
Today · 4.125%
HK$114,593
baseline
▲ 0.50% · 4.625%
HK$120,633
+HK$6,040/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,186/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,911 · Scale 2, in force from 26 Feb 2026)