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$54,376
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,067
−HK$1,719/mo
Today · 4.125%
HK$57,786
baseline
▲ 0.50% · 4.625%
HK$61,302
+HK$3,516/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,572/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,493
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,115
−HK$1,646/mo
Today · 4.125%
HK$63,761
baseline
▲ 0.50% · 4.625%
HK$67,122
+HK$3,361/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,522/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,251
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,281
−HK$2,062/mo
Today · 4.125%
HK$69,343
baseline
▲ 0.50% · 4.625%
HK$73,562
+HK$4,219/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,686/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,591
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,538
−HK$1,975/mo
Today · 4.125%
HK$76,513
baseline
▲ 0.50% · 4.625%
HK$80,546
+HK$4,033/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,026/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,126
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,494
−HK$2,406/mo
Today · 4.125%
HK$80,900
baseline
▲ 0.50% · 4.625%
HK$85,823
+HK$4,923/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,800/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,690
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,961
−HK$2,304/mo
Today · 4.125%
HK$89,265
baseline
▲ 0.50% · 4.625%
HK$93,971
+HK$4,706/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,530/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,877
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,921
−HK$3,093/mo
Today · 4.125%
HK$104,014
baseline
▲ 0.50% · 4.625%
HK$110,343
+HK$6,329/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$208,028/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,887
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,807
−HK$2,963/mo
Today · 4.125%
HK$114,770
baseline
▲ 0.50% · 4.625%
HK$120,819
+HK$6,049/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$229,540/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,473 · Scale 2, in force from 26 Feb 2026)