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$54,366
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,057
−HK$1,718/mo
Today · 4.125%
HK$57,775
baseline
▲ 0.50% · 4.625%
HK$61,290
+HK$3,515/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,550/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,481
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,103
−HK$1,646/mo
Today · 4.125%
HK$63,749
baseline
▲ 0.50% · 4.625%
HK$67,109
+HK$3,360/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,498/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,239
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,268
−HK$2,062/mo
Today · 4.125%
HK$69,330
baseline
▲ 0.50% · 4.625%
HK$73,548
+HK$4,218/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,660/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,578
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,524
−HK$1,975/mo
Today · 4.125%
HK$76,499
baseline
▲ 0.50% · 4.625%
HK$80,531
+HK$4,032/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$152,998/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,112
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,479
−HK$2,406/mo
Today · 4.125%
HK$80,885
baseline
▲ 0.50% · 4.625%
HK$85,807
+HK$4,922/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,770/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,674
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,945
−HK$2,303/mo
Today · 4.125%
HK$89,248
baseline
▲ 0.50% · 4.625%
HK$93,953
+HK$4,705/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,496/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,858
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,902
−HK$3,093/mo
Today · 4.125%
HK$103,995
baseline
▲ 0.50% · 4.625%
HK$110,323
+HK$6,328/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$207,990/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,866
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,786
−HK$2,962/mo
Today · 4.125%
HK$114,748
baseline
▲ 0.50% · 4.625%
HK$120,797
+HK$6,049/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$229,496/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,282 · Scale 2, in force from 26 Feb 2026)