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$54,307
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,996
−HK$1,716/mo
Today · 4.125%
HK$57,712
baseline
▲ 0.50% · 4.625%
HK$61,224
+HK$3,512/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,424/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,416
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,036
−HK$1,644/mo
Today · 4.125%
HK$63,680
baseline
▲ 0.50% · 4.625%
HK$67,036
+HK$3,356/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,360/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,168
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,195
−HK$2,060/mo
Today · 4.125%
HK$69,255
baseline
▲ 0.50% · 4.625%
HK$73,469
+HK$4,214/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,510/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,499
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,443
−HK$1,973/mo
Today · 4.125%
HK$76,416
baseline
▲ 0.50% · 4.625%
HK$80,444
+HK$4,028/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,832/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,030
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,394
−HK$2,403/mo
Today · 4.125%
HK$80,797
baseline
▲ 0.50% · 4.625%
HK$85,714
+HK$4,917/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,594/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,582
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,851
−HK$2,301/mo
Today · 4.125%
HK$89,152
baseline
▲ 0.50% · 4.625%
HK$93,851
+HK$4,699/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,304/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,752
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,793
−HK$3,089/mo
Today · 4.125%
HK$103,882
baseline
▲ 0.50% · 4.625%
HK$110,203
+HK$6,321/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,764/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,748
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,665
−HK$2,959/mo
Today · 4.125%
HK$114,624
baseline
▲ 0.50% · 4.625%
HK$120,666
+HK$6,042/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,248/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,184 · Scale 2, in force from 26 Feb 2026)