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$54,283
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,972
−HK$1,715/mo
Today · 4.125%
HK$57,687
baseline
▲ 0.50% · 4.625%
HK$61,197
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,374/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,390
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,009
−HK$1,643/mo
Today · 4.125%
HK$63,652
baseline
▲ 0.50% · 4.625%
HK$67,007
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,304/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,140
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,166
−HK$2,059/mo
Today · 4.125%
HK$69,225
baseline
▲ 0.50% · 4.625%
HK$73,437
+HK$4,212/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,450/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,467
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,411
−HK$1,972/mo
Today · 4.125%
HK$76,383
baseline
▲ 0.50% · 4.625%
HK$80,409
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,766/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,996
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,360
−HK$2,402/mo
Today · 4.125%
HK$80,762
baseline
▲ 0.50% · 4.625%
HK$85,676
+HK$4,914/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,524/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,545
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,813
−HK$2,300/mo
Today · 4.125%
HK$89,113
baseline
▲ 0.50% · 4.625%
HK$93,810
+HK$4,697/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,226/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,710
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,749
−HK$3,088/mo
Today · 4.125%
HK$103,837
baseline
▲ 0.50% · 4.625%
HK$110,155
+HK$6,318/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,674/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,701
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,616
−HK$2,958/mo
Today · 4.125%
HK$114,574
baseline
▲ 0.50% · 4.625%
HK$120,613
+HK$6,039/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,148/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,745 · Scale 2, in force from 26 Feb 2026)