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$54,271
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,959
−HK$1,715/mo
Today · 4.125%
HK$57,674
baseline
▲ 0.50% · 4.625%
HK$61,183
+HK$3,509/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,348/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,376
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,995
−HK$1,643/mo
Today · 4.125%
HK$63,638
baseline
▲ 0.50% · 4.625%
HK$66,992
+HK$3,354/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,276/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,125
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,151
−HK$2,058/mo
Today · 4.125%
HK$69,209
baseline
▲ 0.50% · 4.625%
HK$73,420
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,418/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,451
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,394
−HK$1,971/mo
Today · 4.125%
HK$76,365
baseline
▲ 0.50% · 4.625%
HK$80,390
+HK$4,025/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,730/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,979
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,343
−HK$2,401/mo
Today · 4.125%
HK$80,744
baseline
▲ 0.50% · 4.625%
HK$85,657
+HK$4,913/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,488/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,526
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,793
−HK$2,300/mo
Today · 4.125%
HK$89,093
baseline
▲ 0.50% · 4.625%
HK$93,789
+HK$4,696/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,186/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,687
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,726
−HK$3,087/mo
Today · 4.125%
HK$103,813
baseline
▲ 0.50% · 4.625%
HK$110,130
+HK$6,317/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,626/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,676
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,591
−HK$2,957/mo
Today · 4.125%
HK$114,548
baseline
▲ 0.50% · 4.625%
HK$120,586
+HK$6,038/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,096/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,514 · Scale 2, in force from 26 Feb 2026)