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$54,253
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,941
−HK$1,715/mo
Today · 4.125%
HK$57,656
baseline
▲ 0.50% · 4.625%
HK$61,164
+HK$3,508/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,312/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,356
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,975
−HK$1,642/mo
Today · 4.125%
HK$63,617
baseline
▲ 0.50% · 4.625%
HK$66,971
+HK$3,354/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,234/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,104
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,129
−HK$2,058/mo
Today · 4.125%
HK$69,187
baseline
▲ 0.50% · 4.625%
HK$73,396
+HK$4,209/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,374/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,428
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,370
−HK$1,971/mo
Today · 4.125%
HK$76,341
baseline
▲ 0.50% · 4.625%
HK$80,365
+HK$4,024/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,682/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,955
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,317
−HK$2,401/mo
Today · 4.125%
HK$80,718
baseline
▲ 0.50% · 4.625%
HK$85,629
+HK$4,911/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,436/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,499
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,765
−HK$2,299/mo
Today · 4.125%
HK$89,064
baseline
▲ 0.50% · 4.625%
HK$93,759
+HK$4,695/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,128/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,656
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,694
−HK$3,086/mo
Today · 4.125%
HK$103,780
baseline
▲ 0.50% · 4.625%
HK$110,095
+HK$6,315/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,560/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,641
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,555
−HK$2,956/mo
Today · 4.125%
HK$114,511
baseline
▲ 0.50% · 4.625%
HK$120,547
+HK$6,036/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$229,022/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,188 · Scale 2, in force from 26 Feb 2026)