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$54,328
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,018
−HK$1,717/mo
Today · 4.125%
HK$57,735
baseline
▲ 0.50% · 4.625%
HK$61,248
+HK$3,513/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,470/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,439
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,060
−HK$1,644/mo
Today · 4.125%
HK$63,704
baseline
▲ 0.50% · 4.625%
HK$67,062
+HK$3,358/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,408/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,193
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,221
−HK$2,060/mo
Today · 4.125%
HK$69,281
baseline
▲ 0.50% · 4.625%
HK$73,497
+HK$4,216/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,562/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,527
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,472
−HK$1,973/mo
Today · 4.125%
HK$76,445
baseline
▲ 0.50% · 4.625%
HK$80,475
+HK$4,030/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,890/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,059
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,425
−HK$2,403/mo
Today · 4.125%
HK$80,828
baseline
▲ 0.50% · 4.625%
HK$85,747
+HK$4,919/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,656/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,615
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,884
−HK$2,302/mo
Today · 4.125%
HK$89,186
baseline
▲ 0.50% · 4.625%
HK$93,887
+HK$4,701/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,372/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,790
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$100,832
−HK$3,090/mo
Today · 4.125%
HK$103,922
baseline
▲ 0.50% · 4.625%
HK$110,246
+HK$6,324/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,844/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,790
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,708
−HK$2,960/mo
Today · 4.125%
HK$114,668
baseline
▲ 0.50% · 4.625%
HK$120,712
+HK$6,044/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,336/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,575 · Scale 2, in force from 26 Feb 2026)