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$54,383
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,074
−HK$1,719/mo
Today · 4.125%
HK$57,793
baseline
▲ 0.50% · 4.625%
HK$61,310
+HK$3,517/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,586/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,500
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,123
−HK$1,646/mo
Today · 4.125%
HK$63,769
baseline
▲ 0.50% · 4.625%
HK$67,130
+HK$3,361/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,538/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,259
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,289
−HK$2,063/mo
Today · 4.125%
HK$69,352
baseline
▲ 0.50% · 4.625%
HK$73,571
+HK$4,219/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,704/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,600
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,547
−HK$1,976/mo
Today · 4.125%
HK$76,523
baseline
▲ 0.50% · 4.625%
HK$80,556
+HK$4,033/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,046/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,136
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,504
−HK$2,406/mo
Today · 4.125%
HK$80,910
baseline
▲ 0.50% · 4.625%
HK$85,833
+HK$4,923/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,820/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,700
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,972
−HK$2,304/mo
Today · 4.125%
HK$89,276
baseline
▲ 0.50% · 4.625%
HK$93,982
+HK$4,706/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,552/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,889
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$100,934
−HK$3,093/mo
Today · 4.125%
HK$104,027
baseline
▲ 0.50% · 4.625%
HK$110,357
+HK$6,330/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$208,054/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,900
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,821
−HK$2,963/mo
Today · 4.125%
HK$114,784
baseline
▲ 0.50% · 4.625%
HK$120,834
+HK$6,050/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$229,568/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,599 · Scale 2, in force from 26 Feb 2026)