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$54,265
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,953
−HK$1,715/mo
Today · 4.125%
HK$57,668
baseline
▲ 0.50% · 4.625%
HK$61,177
+HK$3,509/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,336/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,369
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,988
−HK$1,643/mo
Today · 4.125%
HK$63,631
baseline
▲ 0.50% · 4.625%
HK$66,985
+HK$3,354/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,262/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,118
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,143
−HK$2,058/mo
Today · 4.125%
HK$69,201
baseline
▲ 0.50% · 4.625%
HK$73,412
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,402/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,443
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,386
−HK$1,971/mo
Today · 4.125%
HK$76,357
baseline
▲ 0.50% · 4.625%
HK$80,382
+HK$4,025/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,714/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,971
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,334
−HK$2,401/mo
Today · 4.125%
HK$80,735
baseline
▲ 0.50% · 4.625%
HK$85,647
+HK$4,912/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,470/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,517
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,783
−HK$2,300/mo
Today · 4.125%
HK$89,083
baseline
▲ 0.50% · 4.625%
HK$93,779
+HK$4,696/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,166/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,677
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,715
−HK$3,087/mo
Today · 4.125%
HK$103,802
baseline
▲ 0.50% · 4.625%
HK$110,118
+HK$6,316/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,604/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,664
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,579
−HK$2,956/mo
Today · 4.125%
HK$114,535
baseline
▲ 0.50% · 4.625%
HK$120,572
+HK$6,037/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,070/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,402 · Scale 2, in force from 26 Feb 2026)