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$54,215
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,902
−HK$1,713/mo
Today · 4.125%
HK$57,615
baseline
▲ 0.50% · 4.625%
HK$61,121
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,230/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,314
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,932
−HK$1,641/mo
Today · 4.125%
HK$63,573
baseline
▲ 0.50% · 4.625%
HK$66,924
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,146/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,058
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,082
−HK$2,056/mo
Today · 4.125%
HK$69,138
baseline
▲ 0.50% · 4.625%
HK$73,345
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,276/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,377
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,318
−HK$1,969/mo
Today · 4.125%
HK$76,287
baseline
▲ 0.50% · 4.625%
HK$80,308
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,574/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,901
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,262
−HK$2,399/mo
Today · 4.125%
HK$80,661
baseline
▲ 0.50% · 4.625%
HK$85,569
+HK$4,908/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,322/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,440
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,704
−HK$2,298/mo
Today · 4.125%
HK$89,002
baseline
▲ 0.50% · 4.625%
HK$93,693
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$178,004/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,588
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,623
−HK$3,084/mo
Today · 4.125%
HK$103,707
baseline
▲ 0.50% · 4.625%
HK$110,017
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,414/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,565
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,477
−HK$2,954/mo
Today · 4.125%
HK$114,431
baseline
▲ 0.50% · 4.625%
HK$120,462
+HK$6,031/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,862/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,479 · Scale 2, in force from 26 Feb 2026)