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$54,370
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,061
−HK$1,719/mo
Today · 4.125%
HK$57,780
baseline
▲ 0.50% · 4.625%
HK$61,295
+HK$3,515/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,560/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,486
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,108
−HK$1,646/mo
Today · 4.125%
HK$63,754
baseline
▲ 0.50% · 4.625%
HK$67,115
+HK$3,361/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,508/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,244
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,274
−HK$2,062/mo
Today · 4.125%
HK$69,336
baseline
▲ 0.50% · 4.625%
HK$73,554
+HK$4,218/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,672/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,583
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,530
−HK$1,975/mo
Today · 4.125%
HK$76,505
baseline
▲ 0.50% · 4.625%
HK$80,538
+HK$4,033/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,010/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,118
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,486
−HK$2,405/mo
Today · 4.125%
HK$80,891
baseline
▲ 0.50% · 4.625%
HK$85,814
+HK$4,923/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,782/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,681
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,952
−HK$2,304/mo
Today · 4.125%
HK$89,256
baseline
▲ 0.50% · 4.625%
HK$93,961
+HK$4,705/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,512/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,866
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,910
−HK$3,093/mo
Today · 4.125%
HK$104,003
baseline
▲ 0.50% · 4.625%
HK$110,332
+HK$6,329/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$208,006/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,875
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,795
−HK$2,962/mo
Today · 4.125%
HK$114,757
baseline
▲ 0.50% · 4.625%
HK$120,806
+HK$6,049/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$229,514/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,365 · Scale 2, in force from 26 Feb 2026)