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$54,388
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,079
−HK$1,719/mo
Today · 4.125%
HK$57,798
baseline
▲ 0.50% · 4.625%
HK$61,315
+HK$3,517/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,596/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,506
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,128
−HK$1,647/mo
Today · 4.125%
HK$63,775
baseline
▲ 0.50% · 4.625%
HK$67,136
+HK$3,361/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,550/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,265
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,295
−HK$2,063/mo
Today · 4.125%
HK$69,358
baseline
▲ 0.50% · 4.625%
HK$73,578
+HK$4,220/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,716/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,607
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,554
−HK$1,976/mo
Today · 4.125%
HK$76,530
baseline
▲ 0.50% · 4.625%
HK$80,564
+HK$4,034/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,060/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,143
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,511
−HK$2,406/mo
Today · 4.125%
HK$80,917
baseline
▲ 0.50% · 4.625%
HK$85,841
+HK$4,924/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,834/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,708
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,980
−HK$2,304/mo
Today · 4.125%
HK$89,284
baseline
▲ 0.50% · 4.625%
HK$93,991
+HK$4,707/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,568/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,898
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,943
−HK$3,094/mo
Today · 4.125%
HK$104,037
baseline
▲ 0.50% · 4.625%
HK$110,367
+HK$6,330/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,074/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,910
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,831
−HK$2,963/mo
Today · 4.125%
HK$114,794
baseline
▲ 0.50% · 4.625%
HK$120,845
+HK$6,051/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,588/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,691 · Scale 2, in force from 26 Feb 2026)