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$54,257
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,945
−HK$1,714/mo
Today · 4.125%
HK$57,659
baseline
▲ 0.50% · 4.625%
HK$61,168
+HK$3,509/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,318/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,360
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,979
−HK$1,642/mo
Today · 4.125%
HK$63,621
baseline
▲ 0.50% · 4.625%
HK$66,975
+HK$3,354/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,242/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,108
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,133
−HK$2,058/mo
Today · 4.125%
HK$69,191
baseline
▲ 0.50% · 4.625%
HK$73,401
+HK$4,210/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,382/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,432
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,375
−HK$1,971/mo
Today · 4.125%
HK$76,346
baseline
▲ 0.50% · 4.625%
HK$80,370
+HK$4,024/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,692/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,960
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,322
−HK$2,401/mo
Today · 4.125%
HK$80,723
baseline
▲ 0.50% · 4.625%
HK$85,635
+HK$4,912/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,446/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,504
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,771
−HK$2,299/mo
Today · 4.125%
HK$89,070
baseline
▲ 0.50% · 4.625%
HK$93,765
+HK$4,695/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,140/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,662
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,700
−HK$3,087/mo
Today · 4.125%
HK$103,787
baseline
▲ 0.50% · 4.625%
HK$110,102
+HK$6,315/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,574/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,648
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,562
−HK$2,956/mo
Today · 4.125%
HK$114,518
baseline
▲ 0.50% · 4.625%
HK$120,555
+HK$6,037/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$229,036/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,254 · Scale 2, in force from 26 Feb 2026)