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$54,350
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,041
−HK$1,717/mo
Today · 4.125%
HK$57,758
baseline
▲ 0.50% · 4.625%
HK$61,273
+HK$3,515/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,516/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,464
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,086
−HK$1,645/mo
Today · 4.125%
HK$63,731
baseline
▲ 0.50% · 4.625%
HK$67,090
+HK$3,359/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,462/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,220
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,249
−HK$2,061/mo
Today · 4.125%
HK$69,310
baseline
▲ 0.50% · 4.625%
HK$73,528
+HK$4,218/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,620/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,012,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,557
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,503
−HK$1,974/mo
Today · 4.125%
HK$76,477
baseline
▲ 0.50% · 4.625%
HK$80,508
+HK$4,031/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,954/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,012,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,090
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,457
−HK$2,405/mo
Today · 4.125%
HK$80,862
baseline
▲ 0.50% · 4.625%
HK$85,782
+HK$4,920/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,724/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,650
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,920
−HK$2,303/mo
Today · 4.125%
HK$89,223
baseline
▲ 0.50% · 4.625%
HK$93,926
+HK$4,703/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,446/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,830
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,874
−HK$3,091/mo
Today · 4.125%
HK$103,965
baseline
▲ 0.50% · 4.625%
HK$110,291
+HK$6,326/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,930/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,835
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,754
−HK$2,961/mo
Today · 4.125%
HK$114,715
baseline
▲ 0.50% · 4.625%
HK$120,762
+HK$6,047/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,430/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,994 · Scale 2, in force from 26 Feb 2026)