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$54,259
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,947
−HK$1,715/mo
Today · 4.125%
HK$57,662
baseline
▲ 0.50% · 4.625%
HK$61,170
+HK$3,508/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,324/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,363
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,982
−HK$1,642/mo
Today · 4.125%
HK$63,624
baseline
▲ 0.50% · 4.625%
HK$66,978
+HK$3,354/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,248/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,111
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,137
−HK$2,057/mo
Today · 4.125%
HK$69,194
baseline
▲ 0.50% · 4.625%
HK$73,405
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,388/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,436
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,378
−HK$1,971/mo
Today · 4.125%
HK$76,349
baseline
▲ 0.50% · 4.625%
HK$80,374
+HK$4,025/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,698/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,963
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,326
−HK$2,401/mo
Today · 4.125%
HK$80,727
baseline
▲ 0.50% · 4.625%
HK$85,639
+HK$4,912/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,454/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,508
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,775
−HK$2,299/mo
Today · 4.125%
HK$89,074
baseline
▲ 0.50% · 4.625%
HK$93,769
+HK$4,695/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,148/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,667
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,705
−HK$3,086/mo
Today · 4.125%
HK$103,791
baseline
▲ 0.50% · 4.625%
HK$110,107
+HK$6,316/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,582/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,653
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,567
−HK$2,957/mo
Today · 4.125%
HK$114,524
baseline
▲ 0.50% · 4.625%
HK$120,560
+HK$6,036/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,048/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,300 · Scale 2, in force from 26 Feb 2026)