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$54,300
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,989
−HK$1,716/mo
Today · 4.125%
HK$57,705
baseline
▲ 0.50% · 4.625%
HK$61,216
+HK$3,511/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,410/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,408
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,028
−HK$1,644/mo
Today · 4.125%
HK$63,672
baseline
▲ 0.50% · 4.625%
HK$67,028
+HK$3,356/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,344/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,160
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,187
−HK$2,059/mo
Today · 4.125%
HK$69,246
baseline
▲ 0.50% · 4.625%
HK$73,460
+HK$4,214/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,492/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,490
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,434
−HK$1,972/mo
Today · 4.125%
HK$76,406
baseline
▲ 0.50% · 4.625%
HK$80,434
+HK$4,028/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,812/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,020
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,385
−HK$2,402/mo
Today · 4.125%
HK$80,787
baseline
▲ 0.50% · 4.625%
HK$85,703
+HK$4,916/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,574/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,572
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,840
−HK$2,301/mo
Today · 4.125%
HK$89,141
baseline
▲ 0.50% · 4.625%
HK$93,840
+HK$4,699/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,282/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,740
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,781
−HK$3,088/mo
Today · 4.125%
HK$103,869
baseline
▲ 0.50% · 4.625%
HK$110,190
+HK$6,321/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,738/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,735
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,651
−HK$2,959/mo
Today · 4.125%
HK$114,610
baseline
▲ 0.50% · 4.625%
HK$120,651
+HK$6,041/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,220/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,060 · Scale 2, in force from 26 Feb 2026)