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$54,330
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,020
−HK$1,717/mo
Today · 4.125%
HK$57,737
baseline
▲ 0.50% · 4.625%
HK$61,250
+HK$3,513/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,474/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,441
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,062
−HK$1,645/mo
Today · 4.125%
HK$63,707
baseline
▲ 0.50% · 4.625%
HK$67,065
+HK$3,358/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,414/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,196
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,223
−HK$2,061/mo
Today · 4.125%
HK$69,284
baseline
▲ 0.50% · 4.625%
HK$73,500
+HK$4,216/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,568/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,529
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,475
−HK$1,973/mo
Today · 4.125%
HK$76,448
baseline
▲ 0.50% · 4.625%
HK$80,478
+HK$4,030/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,896/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,061
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,427
−HK$2,404/mo
Today · 4.125%
HK$80,831
baseline
▲ 0.50% · 4.625%
HK$85,750
+HK$4,919/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,662/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,618
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,887
−HK$2,302/mo
Today · 4.125%
HK$89,189
baseline
▲ 0.50% · 4.625%
HK$93,891
+HK$4,702/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,378/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,793
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,835
−HK$3,091/mo
Today · 4.125%
HK$103,926
baseline
▲ 0.50% · 4.625%
HK$110,249
+HK$6,323/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,852/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,794
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,712
−HK$2,960/mo
Today · 4.125%
HK$114,672
baseline
▲ 0.50% · 4.625%
HK$120,716
+HK$6,044/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,344/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,610 · Scale 2, in force from 26 Feb 2026)