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$54,297
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,986
−HK$1,716/mo
Today · 4.125%
HK$57,702
baseline
▲ 0.50% · 4.625%
HK$61,213
+HK$3,511/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,404/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,405
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,025
−HK$1,644/mo
Today · 4.125%
HK$63,669
baseline
▲ 0.50% · 4.625%
HK$67,025
+HK$3,356/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,338/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,157
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,184
−HK$2,059/mo
Today · 4.125%
HK$69,243
baseline
▲ 0.50% · 4.625%
HK$73,456
+HK$4,213/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$138,486/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,486
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,430
−HK$1,973/mo
Today · 4.125%
HK$76,403
baseline
▲ 0.50% · 4.625%
HK$80,430
+HK$4,027/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$152,806/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,016
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,381
−HK$2,402/mo
Today · 4.125%
HK$80,783
baseline
▲ 0.50% · 4.625%
HK$85,699
+HK$4,916/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,566/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,568
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,836
−HK$2,300/mo
Today · 4.125%
HK$89,136
baseline
▲ 0.50% · 4.625%
HK$93,835
+HK$4,699/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,272/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,735
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,776
−HK$3,088/mo
Today · 4.125%
HK$103,864
baseline
▲ 0.50% · 4.625%
HK$110,184
+HK$6,320/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,728/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,730
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,646
−HK$2,958/mo
Today · 4.125%
HK$114,604
baseline
▲ 0.50% · 4.625%
HK$120,645
+HK$6,041/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,208/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,010 · Scale 2, in force from 26 Feb 2026)