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$54,275
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,963
−HK$1,715/mo
Today · 4.125%
HK$57,678
baseline
▲ 0.50% · 4.625%
HK$61,188
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,356/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,380
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,000
−HK$1,643/mo
Today · 4.125%
HK$63,643
baseline
▲ 0.50% · 4.625%
HK$66,997
+HK$3,354/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,286/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,130
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,156
−HK$2,058/mo
Today · 4.125%
HK$69,214
baseline
▲ 0.50% · 4.625%
HK$73,426
+HK$4,212/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,428/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,456
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,400
−HK$1,971/mo
Today · 4.125%
HK$76,371
baseline
▲ 0.50% · 4.625%
HK$80,397
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,742/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,985
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,349
−HK$2,401/mo
Today · 4.125%
HK$80,750
baseline
▲ 0.50% · 4.625%
HK$85,663
+HK$4,913/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,500/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,532
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,800
−HK$2,300/mo
Today · 4.125%
HK$89,100
baseline
▲ 0.50% · 4.625%
HK$93,796
+HK$4,696/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,200/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,695
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,734
−HK$3,087/mo
Today · 4.125%
HK$103,821
baseline
▲ 0.50% · 4.625%
HK$110,139
+HK$6,318/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,642/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,685
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,599
−HK$2,958/mo
Today · 4.125%
HK$114,557
baseline
▲ 0.50% · 4.625%
HK$120,595
+HK$6,038/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,114/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,591 · Scale 2, in force from 26 Feb 2026)