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$54,328
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,018
−HK$1,717/mo
Today · 4.125%
HK$57,735
baseline
▲ 0.50% · 4.625%
HK$61,248
+HK$3,513/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,470/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,440
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,061
−HK$1,644/mo
Today · 4.125%
HK$63,705
baseline
▲ 0.50% · 4.625%
HK$67,063
+HK$3,358/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,410/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,194
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,222
−HK$2,060/mo
Today · 4.125%
HK$69,282
baseline
▲ 0.50% · 4.625%
HK$73,498
+HK$4,216/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,564/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,528
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,473
−HK$1,973/mo
Today · 4.125%
HK$76,446
baseline
▲ 0.50% · 4.625%
HK$80,476
+HK$4,030/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,892/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,060
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,426
−HK$2,403/mo
Today · 4.125%
HK$80,829
baseline
▲ 0.50% · 4.625%
HK$85,748
+HK$4,919/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,658/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,616
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,885
−HK$2,302/mo
Today · 4.125%
HK$89,187
baseline
▲ 0.50% · 4.625%
HK$93,888
+HK$4,701/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,374/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,791
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$100,833
−HK$3,090/mo
Today · 4.125%
HK$103,923
baseline
▲ 0.50% · 4.625%
HK$110,247
+HK$6,324/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,846/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,792
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,709
−HK$2,960/mo
Today · 4.125%
HK$114,669
baseline
▲ 0.50% · 4.625%
HK$120,714
+HK$6,045/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,338/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,586 · Scale 2, in force from 26 Feb 2026)