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$54,317
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,006
−HK$1,717/mo
Today · 4.125%
HK$57,723
baseline
▲ 0.50% · 4.625%
HK$61,235
+HK$3,512/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,446/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,427
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,047
−HK$1,644/mo
Today · 4.125%
HK$63,691
baseline
▲ 0.50% · 4.625%
HK$67,048
+HK$3,357/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,382/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,180
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,207
−HK$2,060/mo
Today · 4.125%
HK$69,267
baseline
▲ 0.50% · 4.625%
HK$73,482
+HK$4,215/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,534/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,512
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,457
−HK$1,972/mo
Today · 4.125%
HK$76,429
baseline
▲ 0.50% · 4.625%
HK$80,458
+HK$4,029/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,858/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,043
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,408
−HK$2,404/mo
Today · 4.125%
HK$80,812
baseline
▲ 0.50% · 4.625%
HK$85,729
+HK$4,917/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$161,624/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,597
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,866
−HK$2,302/mo
Today · 4.125%
HK$89,168
baseline
▲ 0.50% · 4.625%
HK$93,868
+HK$4,700/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$178,336/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,770
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,811
−HK$3,090/mo
Today · 4.125%
HK$103,901
baseline
▲ 0.50% · 4.625%
HK$110,223
+HK$6,322/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,802/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,768
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,685
−HK$2,959/mo
Today · 4.125%
HK$114,644
baseline
▲ 0.50% · 4.625%
HK$120,687
+HK$6,043/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,288/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,365 · Scale 2, in force from 26 Feb 2026)