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$54,338
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,028
−HK$1,717/mo
Today · 4.125%
HK$57,745
baseline
▲ 0.50% · 4.625%
HK$61,259
+HK$3,514/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,490/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,450
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,071
−HK$1,645/mo
Today · 4.125%
HK$63,716
baseline
▲ 0.50% · 4.625%
HK$67,075
+HK$3,359/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,432/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,205
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,234
−HK$2,060/mo
Today · 4.125%
HK$69,294
baseline
▲ 0.50% · 4.625%
HK$73,511
+HK$4,217/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,588/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,540
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,486
−HK$1,973/mo
Today · 4.125%
HK$76,459
baseline
▲ 0.50% · 4.625%
HK$80,490
+HK$4,031/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,918/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,073
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,439
−HK$2,404/mo
Today · 4.125%
HK$80,843
baseline
▲ 0.50% · 4.625%
HK$85,762
+HK$4,919/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,686/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,630
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,900
−HK$2,303/mo
Today · 4.125%
HK$89,203
baseline
▲ 0.50% · 4.625%
HK$93,905
+HK$4,702/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,406/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,808
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,850
−HK$3,091/mo
Today · 4.125%
HK$103,941
baseline
▲ 0.50% · 4.625%
HK$110,266
+HK$6,325/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,882/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,810
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,729
−HK$2,960/mo
Today · 4.125%
HK$114,689
baseline
▲ 0.50% · 4.625%
HK$120,734
+HK$6,045/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,378/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,761 · Scale 2, in force from 26 Feb 2026)