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$54,270
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,958
−HK$1,715/mo
Today · 4.125%
HK$57,673
baseline
▲ 0.50% · 4.625%
HK$61,183
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,346/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,375
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,994
−HK$1,643/mo
Today · 4.125%
HK$63,637
baseline
▲ 0.50% · 4.625%
HK$66,991
+HK$3,354/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,274/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,124
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,150
−HK$2,058/mo
Today · 4.125%
HK$69,208
baseline
▲ 0.50% · 4.625%
HK$73,419
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,416/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,450
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,393
−HK$1,971/mo
Today · 4.125%
HK$76,364
baseline
▲ 0.50% · 4.625%
HK$80,390
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,728/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,978
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,342
−HK$2,401/mo
Today · 4.125%
HK$80,743
baseline
▲ 0.50% · 4.625%
HK$85,656
+HK$4,913/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,486/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,525
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,792
−HK$2,300/mo
Today · 4.125%
HK$89,092
baseline
▲ 0.50% · 4.625%
HK$93,788
+HK$4,696/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,184/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,686
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,725
−HK$3,087/mo
Today · 4.125%
HK$103,812
baseline
▲ 0.50% · 4.625%
HK$110,129
+HK$6,317/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,624/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,675
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,590
−HK$2,956/mo
Today · 4.125%
HK$114,546
baseline
▲ 0.50% · 4.625%
HK$120,584
+HK$6,038/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,092/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,502 · Scale 2, in force from 26 Feb 2026)