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$54,299
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,988
−HK$1,716/mo
Today · 4.125%
HK$57,704
baseline
▲ 0.50% · 4.625%
HK$61,215
+HK$3,511/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,408/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,407
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,027
−HK$1,644/mo
Today · 4.125%
HK$63,671
baseline
▲ 0.50% · 4.625%
HK$67,027
+HK$3,356/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,342/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,159
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,185
−HK$2,060/mo
Today · 4.125%
HK$69,245
baseline
▲ 0.50% · 4.625%
HK$73,458
+HK$4,213/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,490/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,488
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,432
−HK$1,973/mo
Today · 4.125%
HK$76,405
baseline
▲ 0.50% · 4.625%
HK$80,432
+HK$4,027/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,810/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,018
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,383
−HK$2,402/mo
Today · 4.125%
HK$80,785
baseline
▲ 0.50% · 4.625%
HK$85,701
+HK$4,916/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,570/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,570
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,838
−HK$2,301/mo
Today · 4.125%
HK$89,139
baseline
▲ 0.50% · 4.625%
HK$93,837
+HK$4,698/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,278/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,738
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,778
−HK$3,089/mo
Today · 4.125%
HK$103,867
baseline
▲ 0.50% · 4.625%
HK$110,187
+HK$6,320/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,734/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,732
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,649
−HK$2,958/mo
Today · 4.125%
HK$114,607
baseline
▲ 0.50% · 4.625%
HK$120,648
+HK$6,041/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,214/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,036 · Scale 2, in force from 26 Feb 2026)