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$54,311
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,000
−HK$1,717/mo
Today · 4.125%
HK$57,717
baseline
▲ 0.50% · 4.625%
HK$61,228
+HK$3,511/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,434/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,420
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,041
−HK$1,644/mo
Today · 4.125%
HK$63,685
baseline
▲ 0.50% · 4.625%
HK$67,041
+HK$3,356/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,370/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,173
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,200
−HK$2,060/mo
Today · 4.125%
HK$69,260
baseline
▲ 0.50% · 4.625%
HK$73,474
+HK$4,214/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,520/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,504
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,449
−HK$1,972/mo
Today · 4.125%
HK$76,421
baseline
▲ 0.50% · 4.625%
HK$80,450
+HK$4,029/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,842/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,035
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,400
−HK$2,403/mo
Today · 4.125%
HK$80,803
baseline
▲ 0.50% · 4.625%
HK$85,720
+HK$4,917/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$161,606/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,588
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,857
−HK$2,301/mo
Today · 4.125%
HK$89,158
baseline
▲ 0.50% · 4.625%
HK$93,858
+HK$4,700/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$178,316/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,759
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,800
−HK$3,090/mo
Today · 4.125%
HK$103,890
baseline
▲ 0.50% · 4.625%
HK$110,211
+HK$6,321/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,780/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,756
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,673
−HK$2,959/mo
Today · 4.125%
HK$114,632
baseline
▲ 0.50% · 4.625%
HK$120,675
+HK$6,043/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,264/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,259 · Scale 2, in force from 26 Feb 2026)