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$54,316
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,005
−HK$1,717/mo
Today · 4.125%
HK$57,722
baseline
▲ 0.50% · 4.625%
HK$61,234
+HK$3,512/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,444/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,426
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,046
−HK$1,645/mo
Today · 4.125%
HK$63,691
baseline
▲ 0.50% · 4.625%
HK$67,048
+HK$3,357/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,382/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,179
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,207
−HK$2,059/mo
Today · 4.125%
HK$69,266
baseline
▲ 0.50% · 4.625%
HK$73,481
+HK$4,215/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,532/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,511
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,456
−HK$1,973/mo
Today · 4.125%
HK$76,429
baseline
▲ 0.50% · 4.625%
HK$80,457
+HK$4,028/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,858/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,042
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,408
−HK$2,403/mo
Today · 4.125%
HK$80,811
baseline
▲ 0.50% · 4.625%
HK$85,728
+HK$4,917/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$161,622/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,596
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,865
−HK$2,302/mo
Today · 4.125%
HK$89,167
baseline
▲ 0.50% · 4.625%
HK$93,867
+HK$4,700/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$178,334/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,769
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,810
−HK$3,090/mo
Today · 4.125%
HK$103,900
baseline
▲ 0.50% · 4.625%
HK$110,222
+HK$6,322/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,800/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,767
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,684
−HK$2,959/mo
Today · 4.125%
HK$114,643
baseline
▲ 0.50% · 4.625%
HK$120,686
+HK$6,043/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,286/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,354 · Scale 2, in force from 26 Feb 2026)