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$54,273
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,961
−HK$1,716/mo
Today · 4.125%
HK$57,677
baseline
▲ 0.50% · 4.625%
HK$61,186
+HK$3,509/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,354/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,378
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,998
−HK$1,642/mo
Today · 4.125%
HK$63,640
baseline
▲ 0.50% · 4.625%
HK$66,995
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,280/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,128
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,154
−HK$2,058/mo
Today · 4.125%
HK$69,212
baseline
▲ 0.50% · 4.625%
HK$73,423
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,424/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,454
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,397
−HK$1,971/mo
Today · 4.125%
HK$76,368
baseline
▲ 0.50% · 4.625%
HK$80,394
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,736/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,982
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,346
−HK$2,401/mo
Today · 4.125%
HK$80,747
baseline
▲ 0.50% · 4.625%
HK$85,660
+HK$4,913/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,494/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,530
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,797
−HK$2,300/mo
Today · 4.125%
HK$89,097
baseline
▲ 0.50% · 4.625%
HK$93,793
+HK$4,696/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,194/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,692
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,730
−HK$3,088/mo
Today · 4.125%
HK$103,818
baseline
▲ 0.50% · 4.625%
HK$110,135
+HK$6,317/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,636/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,681
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,596
−HK$2,957/mo
Today · 4.125%
HK$114,553
baseline
▲ 0.50% · 4.625%
HK$120,591
+HK$6,038/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,106/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,557 · Scale 2, in force from 26 Feb 2026)