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$54,320
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,010
−HK$1,716/mo
Today · 4.125%
HK$57,726
baseline
▲ 0.50% · 4.625%
HK$61,239
+HK$3,513/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,452/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,430
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,051
−HK$1,644/mo
Today · 4.125%
HK$63,695
baseline
▲ 0.50% · 4.625%
HK$67,053
+HK$3,358/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,390/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,184
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,211
−HK$2,060/mo
Today · 4.125%
HK$69,271
baseline
▲ 0.50% · 4.625%
HK$73,486
+HK$4,215/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,542/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,516
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,461
−HK$1,973/mo
Today · 4.125%
HK$76,434
baseline
▲ 0.50% · 4.625%
HK$80,463
+HK$4,029/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,868/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,048
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,413
−HK$2,404/mo
Today · 4.125%
HK$80,817
baseline
▲ 0.50% · 4.625%
HK$85,734
+HK$4,917/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,634/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,602
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,871
−HK$2,302/mo
Today · 4.125%
HK$89,173
baseline
▲ 0.50% · 4.625%
HK$93,874
+HK$4,701/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,346/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,776
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,817
−HK$3,090/mo
Today · 4.125%
HK$103,907
baseline
▲ 0.50% · 4.625%
HK$110,230
+HK$6,323/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,814/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,775
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,692
−HK$2,959/mo
Today · 4.125%
HK$114,651
baseline
▲ 0.50% · 4.625%
HK$120,695
+HK$6,044/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,302/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,428 · Scale 2, in force from 26 Feb 2026)