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$54,294
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,983
−HK$1,716/mo
Today · 4.125%
HK$57,699
baseline
▲ 0.50% · 4.625%
HK$61,209
+HK$3,510/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,398/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,401
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,021
−HK$1,644/mo
Today · 4.125%
HK$63,665
baseline
▲ 0.50% · 4.625%
HK$67,021
+HK$3,356/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,330/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,153
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,179
−HK$2,059/mo
Today · 4.125%
HK$69,238
baseline
▲ 0.50% · 4.625%
HK$73,451
+HK$4,213/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$138,476/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,482
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,426
−HK$1,972/mo
Today · 4.125%
HK$76,398
baseline
▲ 0.50% · 4.625%
HK$80,425
+HK$4,027/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$152,796/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,011
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,376
−HK$2,402/mo
Today · 4.125%
HK$80,778
baseline
▲ 0.50% · 4.625%
HK$85,693
+HK$4,915/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,556/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,011,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,562
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,830
−HK$2,301/mo
Today · 4.125%
HK$89,131
baseline
▲ 0.50% · 4.625%
HK$93,829
+HK$4,698/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,262/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,011,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,729
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,769
−HK$3,088/mo
Today · 4.125%
HK$103,857
baseline
▲ 0.50% · 4.625%
HK$110,177
+HK$6,320/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,714/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,722
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,638
−HK$2,958/mo
Today · 4.125%
HK$114,596
baseline
▲ 0.50% · 4.625%
HK$120,637
+HK$6,041/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,192/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,943 · Scale 2, in force from 26 Feb 2026)