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$54,312
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,001
−HK$1,717/mo
Today · 4.125%
HK$57,718
baseline
▲ 0.50% · 4.625%
HK$61,230
+HK$3,512/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,436/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,421
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,042
−HK$1,644/mo
Today · 4.125%
HK$63,686
baseline
▲ 0.50% · 4.625%
HK$67,043
+HK$3,357/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,372/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,174
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,201
−HK$2,060/mo
Today · 4.125%
HK$69,261
baseline
▲ 0.50% · 4.625%
HK$73,476
+HK$4,215/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,522/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,506
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,450
−HK$1,973/mo
Today · 4.125%
HK$76,423
baseline
▲ 0.50% · 4.625%
HK$80,451
+HK$4,028/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,846/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,037
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,402
−HK$2,403/mo
Today · 4.125%
HK$80,805
baseline
▲ 0.50% · 4.625%
HK$85,721
+HK$4,916/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$161,610/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,590
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,859
−HK$2,301/mo
Today · 4.125%
HK$89,160
baseline
▲ 0.50% · 4.625%
HK$93,860
+HK$4,700/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$178,320/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,761
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,802
−HK$3,090/mo
Today · 4.125%
HK$103,892
baseline
▲ 0.50% · 4.625%
HK$110,213
+HK$6,321/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,784/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,758
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,675
−HK$2,959/mo
Today · 4.125%
HK$114,634
baseline
▲ 0.50% · 4.625%
HK$120,677
+HK$6,043/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,268/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,278 · Scale 2, in force from 26 Feb 2026)