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$54,371
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,062
−HK$1,718/mo
Today · 4.125%
HK$57,780
baseline
▲ 0.50% · 4.625%
HK$61,296
+HK$3,516/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,560/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,487
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,109
−HK$1,646/mo
Today · 4.125%
HK$63,755
baseline
▲ 0.50% · 4.625%
HK$67,116
+HK$3,361/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,510/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,245
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,275
−HK$2,062/mo
Today · 4.125%
HK$69,337
baseline
▲ 0.50% · 4.625%
HK$73,555
+HK$4,218/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,674/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,584
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,531
−HK$1,975/mo
Today · 4.125%
HK$76,506
baseline
▲ 0.50% · 4.625%
HK$80,539
+HK$4,033/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,012/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,119
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,487
−HK$2,406/mo
Today · 4.125%
HK$80,893
baseline
▲ 0.50% · 4.625%
HK$85,815
+HK$4,922/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,786/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,682
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,953
−HK$2,304/mo
Today · 4.125%
HK$89,257
baseline
▲ 0.50% · 4.625%
HK$93,962
+HK$4,705/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,514/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,868
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,912
−HK$3,093/mo
Today · 4.125%
HK$104,005
baseline
▲ 0.50% · 4.625%
HK$110,333
+HK$6,328/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$208,010/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,877
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,797
−HK$2,962/mo
Today · 4.125%
HK$114,759
baseline
▲ 0.50% · 4.625%
HK$120,808
+HK$6,049/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$229,518/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,379 · Scale 2, in force from 26 Feb 2026)