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$54,379
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,071
−HK$1,718/mo
Today · 4.125%
HK$57,789
baseline
▲ 0.50% · 4.625%
HK$61,306
+HK$3,517/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,578/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,496
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,119
−HK$1,646/mo
Today · 4.125%
HK$63,765
baseline
▲ 0.50% · 4.625%
HK$67,126
+HK$3,361/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,530/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,255
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,285
−HK$2,062/mo
Today · 4.125%
HK$69,347
baseline
▲ 0.50% · 4.625%
HK$73,567
+HK$4,220/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,694/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,595
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,542
−HK$1,976/mo
Today · 4.125%
HK$76,518
baseline
▲ 0.50% · 4.625%
HK$80,551
+HK$4,033/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,036/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,131
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,499
−HK$2,406/mo
Today · 4.125%
HK$80,905
baseline
▲ 0.50% · 4.625%
HK$85,828
+HK$4,923/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,810/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,695
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,966
−HK$2,305/mo
Today · 4.125%
HK$89,271
baseline
▲ 0.50% · 4.625%
HK$93,976
+HK$4,705/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,542/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,882
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,927
−HK$3,094/mo
Today · 4.125%
HK$104,021
baseline
▲ 0.50% · 4.625%
HK$110,350
+HK$6,329/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$208,042/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,893
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,814
−HK$2,962/mo
Today · 4.125%
HK$114,776
baseline
▲ 0.50% · 4.625%
HK$120,826
+HK$6,050/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$229,552/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,532 · Scale 2, in force from 26 Feb 2026)