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$54,258
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,946
−HK$1,715/mo
Today · 4.125%
HK$57,661
baseline
▲ 0.50% · 4.625%
HK$61,169
+HK$3,508/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,322/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,362
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,980
−HK$1,643/mo
Today · 4.125%
HK$63,623
baseline
▲ 0.50% · 4.625%
HK$66,976
+HK$3,353/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,246/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,110
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,135
−HK$2,058/mo
Today · 4.125%
HK$69,193
baseline
▲ 0.50% · 4.625%
HK$73,403
+HK$4,210/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,386/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,434
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,377
−HK$1,970/mo
Today · 4.125%
HK$76,347
baseline
▲ 0.50% · 4.625%
HK$80,372
+HK$4,025/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,694/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,961
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,324
−HK$2,401/mo
Today · 4.125%
HK$80,725
baseline
▲ 0.50% · 4.625%
HK$85,637
+HK$4,912/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,450/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,506
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,773
−HK$2,299/mo
Today · 4.125%
HK$89,072
baseline
▲ 0.50% · 4.625%
HK$93,767
+HK$4,695/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,144/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,665
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,702
−HK$3,087/mo
Today · 4.125%
HK$103,789
baseline
▲ 0.50% · 4.625%
HK$110,104
+HK$6,315/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,578/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,651
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,565
−HK$2,956/mo
Today · 4.125%
HK$114,521
baseline
▲ 0.50% · 4.625%
HK$120,557
+HK$6,036/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,042/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,276 · Scale 2, in force from 26 Feb 2026)