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$54,275
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,963
−HK$1,715/mo
Today · 4.125%
HK$57,678
baseline
▲ 0.50% · 4.625%
HK$61,188
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,356/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,380
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,999
−HK$1,643/mo
Today · 4.125%
HK$63,642
baseline
▲ 0.50% · 4.625%
HK$66,997
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,284/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,129
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,155
−HK$2,059/mo
Today · 4.125%
HK$69,214
baseline
▲ 0.50% · 4.625%
HK$73,425
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,428/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,456
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,399
−HK$1,971/mo
Today · 4.125%
HK$76,370
baseline
▲ 0.50% · 4.625%
HK$80,396
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,740/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,984
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,348
−HK$2,401/mo
Today · 4.125%
HK$80,749
baseline
▲ 0.50% · 4.625%
HK$85,663
+HK$4,914/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,498/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,532
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,799
−HK$2,300/mo
Today · 4.125%
HK$89,099
baseline
▲ 0.50% · 4.625%
HK$93,795
+HK$4,696/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,198/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,694
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,733
−HK$3,087/mo
Today · 4.125%
HK$103,820
baseline
▲ 0.50% · 4.625%
HK$110,138
+HK$6,318/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,640/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,684
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,599
−HK$2,957/mo
Today · 4.125%
HK$114,556
baseline
▲ 0.50% · 4.625%
HK$120,594
+HK$6,038/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,112/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,583 · Scale 2, in force from 26 Feb 2026)