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$54,255
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,943
−HK$1,714/mo
Today · 4.125%
HK$57,657
baseline
▲ 0.50% · 4.625%
HK$61,165
+HK$3,508/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,314/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,358
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,977
−HK$1,642/mo
Today · 4.125%
HK$63,619
baseline
▲ 0.50% · 4.625%
HK$66,972
+HK$3,353/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,238/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,106
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,131
−HK$2,058/mo
Today · 4.125%
HK$69,189
baseline
▲ 0.50% · 4.625%
HK$73,399
+HK$4,210/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,378/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,430
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,372
−HK$1,971/mo
Today · 4.125%
HK$76,343
baseline
▲ 0.50% · 4.625%
HK$80,367
+HK$4,024/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,686/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,957
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,320
−HK$2,400/mo
Today · 4.125%
HK$80,720
baseline
▲ 0.50% · 4.625%
HK$85,632
+HK$4,912/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,440/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,501
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,768
−HK$2,299/mo
Today · 4.125%
HK$89,067
baseline
▲ 0.50% · 4.625%
HK$93,761
+HK$4,694/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,134/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,659
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,697
−HK$3,086/mo
Today · 4.125%
HK$103,783
baseline
▲ 0.50% · 4.625%
HK$110,098
+HK$6,315/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,566/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,644
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,558
−HK$2,956/mo
Today · 4.125%
HK$114,514
baseline
▲ 0.50% · 4.625%
HK$120,550
+HK$6,036/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$229,028/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,217 · Scale 2, in force from 26 Feb 2026)