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$54,356
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,047
−HK$1,718/mo
Today · 4.125%
HK$57,765
baseline
▲ 0.50% · 4.625%
HK$61,280
+HK$3,515/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,530/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,471
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,092
−HK$1,646/mo
Today · 4.125%
HK$63,738
baseline
▲ 0.50% · 4.625%
HK$67,097
+HK$3,359/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,476/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,227
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,256
−HK$2,062/mo
Today · 4.125%
HK$69,318
baseline
▲ 0.50% · 4.625%
HK$73,535
+HK$4,217/mo
Deposit HK$9.54M · loan HK$14.30M · min. income ≈ HK$138,636/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,565
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,511
−HK$1,974/mo
Today · 4.125%
HK$76,485
baseline
▲ 0.50% · 4.625%
HK$80,517
+HK$4,032/mo
Deposit HK$9.54M · loan HK$14.30M · min. income ≈ HK$152,970/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,099
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,466
−HK$2,405/mo
Today · 4.125%
HK$80,871
baseline
▲ 0.50% · 4.625%
HK$85,791
+HK$4,920/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,742/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,013,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,659
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,929
−HK$2,304/mo
Today · 4.125%
HK$89,233
baseline
▲ 0.50% · 4.625%
HK$93,936
+HK$4,703/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,466/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,013,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,841
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,884
−HK$3,093/mo
Today · 4.125%
HK$103,977
baseline
▲ 0.50% · 4.625%
HK$110,303
+HK$6,326/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,954/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,847
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,766
−HK$2,962/mo
Today · 4.125%
HK$114,728
baseline
▲ 0.50% · 4.625%
HK$120,775
+HK$6,047/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,456/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,104 · Scale 2, in force from 26 Feb 2026)