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$54,242
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,930
−HK$1,714/mo
Today · 4.125%
HK$57,644
baseline
▲ 0.50% · 4.625%
HK$61,151
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,288/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,344
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,962
−HK$1,642/mo
Today · 4.125%
HK$63,604
baseline
▲ 0.50% · 4.625%
HK$66,957
+HK$3,353/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,208/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,091
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,115
−HK$2,058/mo
Today · 4.125%
HK$69,173
baseline
▲ 0.50% · 4.625%
HK$73,381
+HK$4,208/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$138,346/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,010,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,413
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,355
−HK$1,970/mo
Today · 4.125%
HK$76,325
baseline
▲ 0.50% · 4.625%
HK$80,348
+HK$4,023/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$152,650/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,010,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,939
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,301
−HK$2,400/mo
Today · 4.125%
HK$80,701
baseline
▲ 0.50% · 4.625%
HK$85,612
+HK$4,911/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,402/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,482
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,747
−HK$2,299/mo
Today · 4.125%
HK$89,046
baseline
▲ 0.50% · 4.625%
HK$93,740
+HK$4,694/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,092/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,636
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,673
−HK$3,086/mo
Today · 4.125%
HK$103,759
baseline
▲ 0.50% · 4.625%
HK$110,072
+HK$6,313/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,518/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,619
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,532
−HK$2,956/mo
Today · 4.125%
HK$114,488
baseline
▲ 0.50% · 4.625%
HK$120,522
+HK$6,034/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,976/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,982 · Scale 2, in force from 26 Feb 2026)