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$54,348
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,039
−HK$1,717/mo
Today · 4.125%
HK$57,756
baseline
▲ 0.50% · 4.625%
HK$61,271
+HK$3,515/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,512/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,462
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,083
−HK$1,645/mo
Today · 4.125%
HK$63,728
baseline
▲ 0.50% · 4.625%
HK$67,088
+HK$3,360/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,456/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,218
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,246
−HK$2,062/mo
Today · 4.125%
HK$69,308
baseline
▲ 0.50% · 4.625%
HK$73,525
+HK$4,217/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,616/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,012,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,554
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,500
−HK$1,974/mo
Today · 4.125%
HK$76,474
baseline
▲ 0.50% · 4.625%
HK$80,505
+HK$4,031/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,948/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,012,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,087
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,454
−HK$2,405/mo
Today · 4.125%
HK$80,859
baseline
▲ 0.50% · 4.625%
HK$85,779
+HK$4,920/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,718/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,646
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,917
−HK$2,303/mo
Today · 4.125%
HK$89,220
baseline
▲ 0.50% · 4.625%
HK$93,923
+HK$4,703/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,440/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,827
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,870
−HK$3,091/mo
Today · 4.125%
HK$103,961
baseline
▲ 0.50% · 4.625%
HK$110,287
+HK$6,326/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,922/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,831
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,750
−HK$2,961/mo
Today · 4.125%
HK$114,711
baseline
▲ 0.50% · 4.625%
HK$120,758
+HK$6,047/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,422/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,955 · Scale 2, in force from 26 Feb 2026)