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$54,356
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,046
−HK$1,718/mo
Today · 4.125%
HK$57,764
baseline
▲ 0.50% · 4.625%
HK$61,279
+HK$3,515/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,528/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,470
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,092
−HK$1,645/mo
Today · 4.125%
HK$63,737
baseline
▲ 0.50% · 4.625%
HK$67,097
+HK$3,360/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,474/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,227
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,256
−HK$2,061/mo
Today · 4.125%
HK$69,317
baseline
▲ 0.50% · 4.625%
HK$73,535
+HK$4,218/mo
Deposit HK$9.54M · loan HK$14.30M · min. income ≈ HK$138,634/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,564
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,510
−HK$1,975/mo
Today · 4.125%
HK$76,485
baseline
▲ 0.50% · 4.625%
HK$80,516
+HK$4,031/mo
Deposit HK$9.54M · loan HK$14.30M · min. income ≈ HK$152,970/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,098
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,465
−HK$2,405/mo
Today · 4.125%
HK$80,870
baseline
▲ 0.50% · 4.625%
HK$85,791
+HK$4,921/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,740/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,013,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,658
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,929
−HK$2,303/mo
Today · 4.125%
HK$89,232
baseline
▲ 0.50% · 4.625%
HK$93,935
+HK$4,703/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,464/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,013,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,840
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,883
−HK$3,093/mo
Today · 4.125%
HK$103,976
baseline
▲ 0.50% · 4.625%
HK$110,302
+HK$6,326/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,952/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,846
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,765
−HK$2,962/mo
Today · 4.125%
HK$114,727
baseline
▲ 0.50% · 4.625%
HK$120,774
+HK$6,047/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,454/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,094 · Scale 2, in force from 26 Feb 2026)