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$54,281
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,969
−HK$1,715/mo
Today · 4.125%
HK$57,684
baseline
▲ 0.50% · 4.625%
HK$61,194
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,368/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,387
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,006
−HK$1,643/mo
Today · 4.125%
HK$63,649
baseline
▲ 0.50% · 4.625%
HK$67,004
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,298/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,137
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,163
−HK$2,058/mo
Today · 4.125%
HK$69,221
baseline
▲ 0.50% · 4.625%
HK$73,433
+HK$4,212/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,442/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,464
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,407
−HK$1,972/mo
Today · 4.125%
HK$76,379
baseline
▲ 0.50% · 4.625%
HK$80,405
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,758/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,993
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,357
−HK$2,401/mo
Today · 4.125%
HK$80,758
baseline
▲ 0.50% · 4.625%
HK$85,672
+HK$4,914/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,516/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,541
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,809
−HK$2,300/mo
Today · 4.125%
HK$89,109
baseline
▲ 0.50% · 4.625%
HK$93,806
+HK$4,697/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,218/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,705
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,744
−HK$3,088/mo
Today · 4.125%
HK$103,832
baseline
▲ 0.50% · 4.625%
HK$110,150
+HK$6,318/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,664/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,696
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,611
−HK$2,957/mo
Today · 4.125%
HK$114,568
baseline
▲ 0.50% · 4.625%
HK$120,607
+HK$6,039/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,136/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,696 · Scale 2, in force from 26 Feb 2026)