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$53,814
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,488
−HK$1,701/mo
Today · 4.125%
HK$57,189
baseline
▲ 0.50% · 4.625%
HK$60,669
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,378/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,868
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,474
−HK$1,628/mo
Today · 4.125%
HK$63,102
baseline
▲ 0.50% · 4.625%
HK$66,429
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,204/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,577
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,586
−HK$2,041/mo
Today · 4.125%
HK$68,627
baseline
▲ 0.50% · 4.625%
HK$72,803
+HK$4,176/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,254/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,842
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,768
−HK$1,955/mo
Today · 4.125%
HK$75,723
baseline
▲ 0.50% · 4.625%
HK$79,714
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,446/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,340
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,684
−HK$2,381/mo
Today · 4.125%
HK$80,065
baseline
▲ 0.50% · 4.625%
HK$84,936
+HK$4,871/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,130/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,815
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,063
−HK$2,280/mo
Today · 4.125%
HK$88,343
baseline
▲ 0.50% · 4.625%
HK$93,000
+HK$4,657/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,686/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,866
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,879
−HK$3,061/mo
Today · 4.125%
HK$102,940
baseline
▲ 0.50% · 4.625%
HK$109,204
+HK$6,264/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,880/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,762
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,652
−HK$2,932/mo
Today · 4.125%
HK$113,584
baseline
▲ 0.50% · 4.625%
HK$119,571
+HK$5,987/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,168/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,006 · Scale 2, in force from 26 Feb 2026)