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$54,290
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,979
−HK$1,715/mo
Today · 4.125%
HK$57,694
baseline
▲ 0.50% · 4.625%
HK$61,205
+HK$3,511/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,388/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,397
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,017
−HK$1,643/mo
Today · 4.125%
HK$63,660
baseline
▲ 0.50% · 4.625%
HK$67,016
+HK$3,356/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,320/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,148
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,174
−HK$2,059/mo
Today · 4.125%
HK$69,233
baseline
▲ 0.50% · 4.625%
HK$73,446
+HK$4,213/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$138,466/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,476
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,420
−HK$1,972/mo
Today · 4.125%
HK$76,392
baseline
▲ 0.50% · 4.625%
HK$80,419
+HK$4,027/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$152,784/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,006
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,370
−HK$2,402/mo
Today · 4.125%
HK$80,772
baseline
▲ 0.50% · 4.625%
HK$85,687
+HK$4,915/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,544/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,556
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,823
−HK$2,301/mo
Today · 4.125%
HK$89,124
baseline
▲ 0.50% · 4.625%
HK$93,822
+HK$4,698/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,248/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,722
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,761
−HK$3,089/mo
Today · 4.125%
HK$103,850
baseline
▲ 0.50% · 4.625%
HK$110,169
+HK$6,319/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,700/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,714
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,630
−HK$2,958/mo
Today · 4.125%
HK$114,588
baseline
▲ 0.50% · 4.625%
HK$120,628
+HK$6,040/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,176/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,869 · Scale 2, in force from 26 Feb 2026)