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$54,304
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,993
−HK$1,716/mo
Today · 4.125%
HK$57,709
baseline
▲ 0.50% · 4.625%
HK$61,221
+HK$3,512/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,418/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,413
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,033
−HK$1,644/mo
Today · 4.125%
HK$63,677
baseline
▲ 0.50% · 4.625%
HK$67,033
+HK$3,356/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,354/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,165
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,192
−HK$2,059/mo
Today · 4.125%
HK$69,251
baseline
▲ 0.50% · 4.625%
HK$73,465
+HK$4,214/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,502/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,495
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,440
−HK$1,972/mo
Today · 4.125%
HK$76,412
baseline
▲ 0.50% · 4.625%
HK$80,440
+HK$4,028/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,824/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,026
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,391
−HK$2,402/mo
Today · 4.125%
HK$80,793
baseline
▲ 0.50% · 4.625%
HK$85,709
+HK$4,916/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,586/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,578
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,846
−HK$2,301/mo
Today · 4.125%
HK$89,147
baseline
▲ 0.50% · 4.625%
HK$93,846
+HK$4,699/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,294/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,747
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,788
−HK$3,089/mo
Today · 4.125%
HK$103,877
baseline
▲ 0.50% · 4.625%
HK$110,198
+HK$6,321/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,754/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,743
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,659
−HK$2,959/mo
Today · 4.125%
HK$114,618
baseline
▲ 0.50% · 4.625%
HK$120,660
+HK$6,042/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,236/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,135 · Scale 2, in force from 26 Feb 2026)