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$54,323
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,013
−HK$1,717/mo
Today · 4.125%
HK$57,730
baseline
▲ 0.50% · 4.625%
HK$61,243
+HK$3,513/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,460/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,434
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,055
−HK$1,644/mo
Today · 4.125%
HK$63,699
baseline
▲ 0.50% · 4.625%
HK$67,057
+HK$3,358/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,398/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,188
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,216
−HK$2,060/mo
Today · 4.125%
HK$69,276
baseline
▲ 0.50% · 4.625%
HK$73,491
+HK$4,215/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,552/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,521
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,466
−HK$1,973/mo
Today · 4.125%
HK$76,439
baseline
▲ 0.50% · 4.625%
HK$80,468
+HK$4,029/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,878/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,053
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,419
−HK$2,403/mo
Today · 4.125%
HK$80,822
baseline
▲ 0.50% · 4.625%
HK$85,740
+HK$4,918/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,644/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,608
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,877
−HK$2,302/mo
Today · 4.125%
HK$89,179
baseline
▲ 0.50% · 4.625%
HK$93,880
+HK$4,701/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,358/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,782
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$100,824
−HK$3,090/mo
Today · 4.125%
HK$103,914
baseline
▲ 0.50% · 4.625%
HK$110,237
+HK$6,323/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,828/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,782
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,699
−HK$2,960/mo
Today · 4.125%
HK$114,659
baseline
▲ 0.50% · 4.625%
HK$120,703
+HK$6,044/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,318/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,495 · Scale 2, in force from 26 Feb 2026)