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$54,335
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,025
−HK$1,717/mo
Today · 4.125%
HK$57,742
baseline
▲ 0.50% · 4.625%
HK$61,256
+HK$3,514/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,484/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,447
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,068
−HK$1,645/mo
Today · 4.125%
HK$63,713
baseline
▲ 0.50% · 4.625%
HK$67,071
+HK$3,358/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,426/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,202
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,230
−HK$2,061/mo
Today · 4.125%
HK$69,291
baseline
▲ 0.50% · 4.625%
HK$73,507
+HK$4,216/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,582/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,537
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,482
−HK$1,974/mo
Today · 4.125%
HK$76,456
baseline
▲ 0.50% · 4.625%
HK$80,486
+HK$4,030/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,912/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,069
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,435
−HK$2,404/mo
Today · 4.125%
HK$80,839
baseline
▲ 0.50% · 4.625%
HK$85,758
+HK$4,919/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,678/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,626
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,896
−HK$2,302/mo
Today · 4.125%
HK$89,198
baseline
▲ 0.50% · 4.625%
HK$93,900
+HK$4,702/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,396/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,803
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,845
−HK$3,091/mo
Today · 4.125%
HK$103,936
baseline
▲ 0.50% · 4.625%
HK$110,261
+HK$6,325/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,872/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,805
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,723
−HK$2,960/mo
Today · 4.125%
HK$114,683
baseline
▲ 0.50% · 4.625%
HK$120,729
+HK$6,046/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,366/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,712 · Scale 2, in force from 26 Feb 2026)