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$54,201
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,887
−HK$1,713/mo
Today · 4.125%
HK$57,600
baseline
▲ 0.50% · 4.625%
HK$61,104
+HK$3,504/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,200/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,010,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,298
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,915
−HK$1,640/mo
Today · 4.125%
HK$63,555
baseline
▲ 0.50% · 4.625%
HK$66,906
+HK$3,351/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,110/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,010,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,041
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,064
−HK$2,055/mo
Today · 4.125%
HK$69,119
baseline
▲ 0.50% · 4.625%
HK$73,325
+HK$4,206/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,238/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,357
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,298
−HK$1,969/mo
Today · 4.125%
HK$76,267
baseline
▲ 0.50% · 4.625%
HK$80,287
+HK$4,020/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,534/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,881
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,241
−HK$2,398/mo
Today · 4.125%
HK$80,639
baseline
▲ 0.50% · 4.625%
HK$85,546
+HK$4,907/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,278/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,417
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,681
−HK$2,297/mo
Today · 4.125%
HK$88,978
baseline
▲ 0.50% · 4.625%
HK$93,668
+HK$4,690/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,956/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,561
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,596
−HK$3,083/mo
Today · 4.125%
HK$103,679
baseline
▲ 0.50% · 4.625%
HK$109,988
+HK$6,309/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,358/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,536
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,447
−HK$2,953/mo
Today · 4.125%
HK$114,400
baseline
▲ 0.50% · 4.625%
HK$120,430
+HK$6,030/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,800/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,207 · Scale 2, in force from 26 Feb 2026)