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$54,289
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,977
−HK$1,716/mo
Today · 4.125%
HK$57,693
baseline
▲ 0.50% · 4.625%
HK$61,203
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,386/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,395
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,015
−HK$1,643/mo
Today · 4.125%
HK$63,658
baseline
▲ 0.50% · 4.625%
HK$67,014
+HK$3,356/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,316/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,146
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,173
−HK$2,059/mo
Today · 4.125%
HK$69,232
baseline
▲ 0.50% · 4.625%
HK$73,444
+HK$4,212/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,464/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,475
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,418
−HK$1,972/mo
Today · 4.125%
HK$76,390
baseline
▲ 0.50% · 4.625%
HK$80,417
+HK$4,027/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,780/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,004
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,368
−HK$2,402/mo
Today · 4.125%
HK$80,770
baseline
▲ 0.50% · 4.625%
HK$85,685
+HK$4,915/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,540/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,554
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,821
−HK$2,301/mo
Today · 4.125%
HK$89,122
baseline
▲ 0.50% · 4.625%
HK$93,820
+HK$4,698/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,244/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,719
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,759
−HK$3,088/mo
Today · 4.125%
HK$103,847
baseline
▲ 0.50% · 4.625%
HK$110,166
+HK$6,319/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,694/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,712
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,627
−HK$2,958/mo
Today · 4.125%
HK$114,585
baseline
▲ 0.50% · 4.625%
HK$120,625
+HK$6,040/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,170/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,845 · Scale 2, in force from 26 Feb 2026)