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$54,346
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,036
−HK$1,718/mo
Today · 4.125%
HK$57,754
baseline
▲ 0.50% · 4.625%
HK$61,268
+HK$3,514/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,508/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,459
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,081
−HK$1,645/mo
Today · 4.125%
HK$63,726
baseline
▲ 0.50% · 4.625%
HK$67,085
+HK$3,359/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,452/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,215
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,244
−HK$2,061/mo
Today · 4.125%
HK$69,305
baseline
▲ 0.50% · 4.625%
HK$73,522
+HK$4,217/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,610/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,012,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,551
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,497
−HK$1,974/mo
Today · 4.125%
HK$76,471
baseline
▲ 0.50% · 4.625%
HK$80,502
+HK$4,031/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,942/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,012,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,084
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,451
−HK$2,405/mo
Today · 4.125%
HK$80,856
baseline
▲ 0.50% · 4.625%
HK$85,775
+HK$4,919/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,712/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,643
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,913
−HK$2,303/mo
Today · 4.125%
HK$89,216
baseline
▲ 0.50% · 4.625%
HK$93,919
+HK$4,703/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,432/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,823
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,866
−HK$3,091/mo
Today · 4.125%
HK$103,957
baseline
▲ 0.50% · 4.625%
HK$110,283
+HK$6,326/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,914/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,827
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,746
−HK$2,961/mo
Today · 4.125%
HK$114,707
baseline
▲ 0.50% · 4.625%
HK$120,753
+HK$6,046/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,414/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,915 · Scale 2, in force from 26 Feb 2026)