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$54,248
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,936
−HK$1,714/mo
Today · 4.125%
HK$57,650
baseline
▲ 0.50% · 4.625%
HK$61,158
+HK$3,508/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,300/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,351
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,969
−HK$1,642/mo
Today · 4.125%
HK$63,611
baseline
▲ 0.50% · 4.625%
HK$66,964
+HK$3,353/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,222/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,098
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,123
−HK$2,057/mo
Today · 4.125%
HK$69,180
baseline
▲ 0.50% · 4.625%
HK$73,390
+HK$4,210/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$138,360/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,421
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,363
−HK$1,970/mo
Today · 4.125%
HK$76,333
baseline
▲ 0.50% · 4.625%
HK$80,357
+HK$4,024/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$152,666/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,948
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,310
−HK$2,400/mo
Today · 4.125%
HK$80,710
baseline
▲ 0.50% · 4.625%
HK$85,621
+HK$4,911/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,420/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,491
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,757
−HK$2,299/mo
Today · 4.125%
HK$89,056
baseline
▲ 0.50% · 4.625%
HK$93,750
+HK$4,694/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,112/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,647
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,684
−HK$3,086/mo
Today · 4.125%
HK$103,770
baseline
▲ 0.50% · 4.625%
HK$110,084
+HK$6,314/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,540/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,631
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,545
−HK$2,955/mo
Today · 4.125%
HK$114,500
baseline
▲ 0.50% · 4.625%
HK$120,536
+HK$6,036/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$229,000/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,094 · Scale 2, in force from 26 Feb 2026)