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$54,279
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,967
−HK$1,716/mo
Today · 4.125%
HK$57,683
baseline
▲ 0.50% · 4.625%
HK$61,193
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,366/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,385
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,004
−HK$1,643/mo
Today · 4.125%
HK$63,647
baseline
▲ 0.50% · 4.625%
HK$67,002
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,294/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,135
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,161
−HK$2,058/mo
Today · 4.125%
HK$69,219
baseline
▲ 0.50% · 4.625%
HK$73,431
+HK$4,212/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,438/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,462
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,405
−HK$1,972/mo
Today · 4.125%
HK$76,377
baseline
▲ 0.50% · 4.625%
HK$80,402
+HK$4,025/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,754/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,990
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,354
−HK$2,402/mo
Today · 4.125%
HK$80,756
baseline
▲ 0.50% · 4.625%
HK$85,670
+HK$4,914/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,512/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,539
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,806
−HK$2,300/mo
Today · 4.125%
HK$89,106
baseline
▲ 0.50% · 4.625%
HK$93,803
+HK$4,697/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,212/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,702
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,741
−HK$3,088/mo
Today · 4.125%
HK$103,829
baseline
▲ 0.50% · 4.625%
HK$110,147
+HK$6,318/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,658/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,693
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,608
−HK$2,957/mo
Today · 4.125%
HK$114,565
baseline
▲ 0.50% · 4.625%
HK$120,604
+HK$6,039/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,130/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,664 · Scale 2, in force from 26 Feb 2026)