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$54,021
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,701
−HK$1,707/mo
Today · 4.125%
HK$57,408
baseline
▲ 0.50% · 4.625%
HK$60,901
+HK$3,493/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,816/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,097
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,709
−HK$1,635/mo
Today · 4.125%
HK$63,344
baseline
▲ 0.50% · 4.625%
HK$66,683
+HK$3,339/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,688/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,825
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,841
−HK$2,049/mo
Today · 4.125%
HK$68,890
baseline
▲ 0.50% · 4.625%
HK$73,082
+HK$4,192/mo
Deposit HK$9.48M · loan HK$14.21M · min. income ≈ HK$137,780/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,117
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,051
−HK$1,962/mo
Today · 4.125%
HK$76,013
baseline
▲ 0.50% · 4.625%
HK$80,020
+HK$4,007/mo
Deposit HK$9.48M · loan HK$14.21M · min. income ≈ HK$152,026/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,629
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,981
−HK$2,391/mo
Today · 4.125%
HK$80,372
baseline
▲ 0.50% · 4.625%
HK$85,262
+HK$4,890/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$160,744/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,136
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,393
−HK$2,289/mo
Today · 4.125%
HK$88,682
baseline
▲ 0.50% · 4.625%
HK$93,357
+HK$4,675/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$177,364/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,237
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,262
−HK$3,073/mo
Today · 4.125%
HK$103,335
baseline
▲ 0.50% · 4.625%
HK$109,622
+HK$6,287/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,670/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,175
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,077
−HK$2,943/mo
Today · 4.125%
HK$114,020
baseline
▲ 0.50% · 4.625%
HK$120,030
+HK$6,010/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,040/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,851 · Scale 2, in force from 26 Feb 2026)