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$54,375
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,066
−HK$1,719/mo
Today · 4.125%
HK$57,785
baseline
▲ 0.50% · 4.625%
HK$61,301
+HK$3,516/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,570/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,492
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,114
−HK$1,646/mo
Today · 4.125%
HK$63,760
baseline
▲ 0.50% · 4.625%
HK$67,121
+HK$3,361/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,520/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,250
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,280
−HK$2,062/mo
Today · 4.125%
HK$69,342
baseline
▲ 0.50% · 4.625%
HK$73,561
+HK$4,219/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,684/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,590
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,537
−HK$1,975/mo
Today · 4.125%
HK$76,512
baseline
▲ 0.50% · 4.625%
HK$80,545
+HK$4,033/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,024/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,125
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,493
−HK$2,406/mo
Today · 4.125%
HK$80,899
baseline
▲ 0.50% · 4.625%
HK$85,821
+HK$4,922/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,798/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,688
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,960
−HK$2,304/mo
Today · 4.125%
HK$89,264
baseline
▲ 0.50% · 4.625%
HK$93,969
+HK$4,705/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,528/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,875
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$100,919
−HK$3,094/mo
Today · 4.125%
HK$104,013
baseline
▲ 0.50% · 4.625%
HK$110,341
+HK$6,328/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$208,026/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,885
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,805
−HK$2,963/mo
Today · 4.125%
HK$114,768
baseline
▲ 0.50% · 4.625%
HK$120,817
+HK$6,049/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$229,536/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,455 · Scale 2, in force from 26 Feb 2026)