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$54,306
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$55,995
−HK$1,717/mo
Today · 4.125%
HK$57,712
baseline
▲ 0.50% · 4.625%
HK$61,223
+HK$3,511/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,424/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,415
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,035
−HK$1,644/mo
Today · 4.125%
HK$63,679
baseline
▲ 0.50% · 4.625%
HK$67,036
+HK$3,357/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,358/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,167
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,194
−HK$2,060/mo
Today · 4.125%
HK$69,254
baseline
▲ 0.50% · 4.625%
HK$73,468
+HK$4,214/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,508/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,498
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,442
−HK$1,973/mo
Today · 4.125%
HK$76,415
baseline
▲ 0.50% · 4.625%
HK$80,443
+HK$4,028/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,830/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,029
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,393
−HK$2,403/mo
Today · 4.125%
HK$80,796
baseline
▲ 0.50% · 4.625%
HK$85,712
+HK$4,916/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,592/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,581
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,849
−HK$2,302/mo
Today · 4.125%
HK$89,151
baseline
▲ 0.50% · 4.625%
HK$93,850
+HK$4,699/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,302/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,751
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,792
−HK$3,089/mo
Today · 4.125%
HK$103,881
baseline
▲ 0.50% · 4.625%
HK$110,202
+HK$6,321/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,762/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,747
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,663
−HK$2,959/mo
Today · 4.125%
HK$114,622
baseline
▲ 0.50% · 4.625%
HK$120,664
+HK$6,042/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,244/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,171 · Scale 2, in force from 26 Feb 2026)