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$54,244
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,932
−HK$1,714/mo
Today · 4.125%
HK$57,646
baseline
▲ 0.50% · 4.625%
HK$61,154
+HK$3,508/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,292/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,346
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,965
−HK$1,642/mo
Today · 4.125%
HK$63,607
baseline
▲ 0.50% · 4.625%
HK$66,959
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,214/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,093
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,118
−HK$2,057/mo
Today · 4.125%
HK$69,175
baseline
▲ 0.50% · 4.625%
HK$73,384
+HK$4,209/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$138,350/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,416
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,358
−HK$1,970/mo
Today · 4.125%
HK$76,328
baseline
▲ 0.50% · 4.625%
HK$80,351
+HK$4,023/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$152,656/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,942
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,304
−HK$2,400/mo
Today · 4.125%
HK$80,704
baseline
▲ 0.50% · 4.625%
HK$85,615
+HK$4,911/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,408/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,485
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,751
−HK$2,298/mo
Today · 4.125%
HK$89,049
baseline
▲ 0.50% · 4.625%
HK$93,743
+HK$4,694/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,098/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,640
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,677
−HK$3,086/mo
Today · 4.125%
HK$103,763
baseline
▲ 0.50% · 4.625%
HK$110,076
+HK$6,313/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,526/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,623
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,537
−HK$2,955/mo
Today · 4.125%
HK$114,492
baseline
▲ 0.50% · 4.625%
HK$120,527
+HK$6,035/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,984/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,020 · Scale 2, in force from 26 Feb 2026)