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$54,301
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,990
−HK$1,716/mo
Today · 4.125%
HK$57,706
baseline
▲ 0.50% · 4.625%
HK$61,218
+HK$3,512/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,412/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,410
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,030
−HK$1,643/mo
Today · 4.125%
HK$63,673
baseline
▲ 0.50% · 4.625%
HK$67,030
+HK$3,357/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,346/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,161
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,188
−HK$2,060/mo
Today · 4.125%
HK$69,248
baseline
▲ 0.50% · 4.625%
HK$73,461
+HK$4,213/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,496/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,491
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,436
−HK$1,972/mo
Today · 4.125%
HK$76,408
baseline
▲ 0.50% · 4.625%
HK$80,435
+HK$4,027/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,816/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,022
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,386
−HK$2,403/mo
Today · 4.125%
HK$80,789
baseline
▲ 0.50% · 4.625%
HK$85,705
+HK$4,916/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,578/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,573
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,842
−HK$2,301/mo
Today · 4.125%
HK$89,143
baseline
▲ 0.50% · 4.625%
HK$93,841
+HK$4,698/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,286/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,742
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,782
−HK$3,089/mo
Today · 4.125%
HK$103,871
baseline
▲ 0.50% · 4.625%
HK$110,192
+HK$6,321/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,742/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,737
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,653
−HK$2,959/mo
Today · 4.125%
HK$114,612
baseline
▲ 0.50% · 4.625%
HK$120,653
+HK$6,041/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,224/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,080 · Scale 2, in force from 26 Feb 2026)