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$54,347
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,037
−HK$1,718/mo
Today · 4.125%
HK$57,755
baseline
▲ 0.50% · 4.625%
HK$61,269
+HK$3,514/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,510/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,460
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,082
−HK$1,645/mo
Today · 4.125%
HK$63,727
baseline
▲ 0.50% · 4.625%
HK$67,086
+HK$3,359/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,454/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,216
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,245
−HK$2,061/mo
Today · 4.125%
HK$69,306
baseline
▲ 0.50% · 4.625%
HK$73,523
+HK$4,217/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,612/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,012,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,552
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,498
−HK$1,974/mo
Today · 4.125%
HK$76,472
baseline
▲ 0.50% · 4.625%
HK$80,503
+HK$4,031/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,944/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,012,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,086
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,452
−HK$2,405/mo
Today · 4.125%
HK$80,857
baseline
▲ 0.50% · 4.625%
HK$85,777
+HK$4,920/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,714/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,645
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,915
−HK$2,303/mo
Today · 4.125%
HK$89,218
baseline
▲ 0.50% · 4.625%
HK$93,920
+HK$4,702/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,436/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,824
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,867
−HK$3,092/mo
Today · 4.125%
HK$103,959
baseline
▲ 0.50% · 4.625%
HK$110,285
+HK$6,326/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,918/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,829
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,747
−HK$2,961/mo
Today · 4.125%
HK$114,708
baseline
▲ 0.50% · 4.625%
HK$120,755
+HK$6,047/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,416/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,932 · Scale 2, in force from 26 Feb 2026)