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$54,245
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,933
−HK$1,714/mo
Today · 4.125%
HK$57,647
baseline
▲ 0.50% · 4.625%
HK$61,154
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,294/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,347
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,966
−HK$1,642/mo
Today · 4.125%
HK$63,608
baseline
▲ 0.50% · 4.625%
HK$66,960
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,216/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,094
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,119
−HK$2,057/mo
Today · 4.125%
HK$69,176
baseline
▲ 0.50% · 4.625%
HK$73,385
+HK$4,209/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$138,352/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,417
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,359
−HK$1,970/mo
Today · 4.125%
HK$76,329
baseline
▲ 0.50% · 4.625%
HK$80,353
+HK$4,024/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$152,658/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,943
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,306
−HK$2,400/mo
Today · 4.125%
HK$80,706
baseline
▲ 0.50% · 4.625%
HK$85,616
+HK$4,910/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,412/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,486
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,752
−HK$2,299/mo
Today · 4.125%
HK$89,051
baseline
▲ 0.50% · 4.625%
HK$93,745
+HK$4,694/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,102/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,641
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,679
−HK$3,085/mo
Today · 4.125%
HK$103,764
baseline
▲ 0.50% · 4.625%
HK$110,078
+HK$6,314/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,528/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,625
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,538
−HK$2,956/mo
Today · 4.125%
HK$114,494
baseline
▲ 0.50% · 4.625%
HK$120,529
+HK$6,035/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,988/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,036 · Scale 2, in force from 26 Feb 2026)