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$54,341
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,031
−HK$1,718/mo
Today · 4.125%
HK$57,749
baseline
▲ 0.50% · 4.625%
HK$61,262
+HK$3,513/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,498/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,454
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,075
−HK$1,645/mo
Today · 4.125%
HK$63,720
baseline
▲ 0.50% · 4.625%
HK$67,079
+HK$3,359/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,440/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,209
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,237
−HK$2,061/mo
Today · 4.125%
HK$69,298
baseline
▲ 0.50% · 4.625%
HK$73,515
+HK$4,217/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,596/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,012,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,544
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,490
−HK$1,974/mo
Today · 4.125%
HK$76,464
baseline
▲ 0.50% · 4.625%
HK$80,494
+HK$4,030/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,928/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,012,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,077
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,444
−HK$2,404/mo
Today · 4.125%
HK$80,848
baseline
▲ 0.50% · 4.625%
HK$85,767
+HK$4,919/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,696/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,635
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,905
−HK$2,303/mo
Today · 4.125%
HK$89,208
baseline
▲ 0.50% · 4.625%
HK$93,910
+HK$4,702/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,416/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,814
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,856
−HK$3,091/mo
Today · 4.125%
HK$103,947
baseline
▲ 0.50% · 4.625%
HK$110,272
+HK$6,325/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,894/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,817
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,735
−HK$2,961/mo
Today · 4.125%
HK$114,696
baseline
▲ 0.50% · 4.625%
HK$120,741
+HK$6,045/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,392/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,820 · Scale 2, in force from 26 Feb 2026)