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$54,354
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,045
−HK$1,718/mo
Today · 4.125%
HK$57,763
baseline
▲ 0.50% · 4.625%
HK$61,278
+HK$3,515/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,526/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,469
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,091
−HK$1,645/mo
Today · 4.125%
HK$63,736
baseline
▲ 0.50% · 4.625%
HK$67,095
+HK$3,359/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,472/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,225
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,254
−HK$2,062/mo
Today · 4.125%
HK$69,316
baseline
▲ 0.50% · 4.625%
HK$73,533
+HK$4,217/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,632/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,563
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,509
−HK$1,974/mo
Today · 4.125%
HK$76,483
baseline
▲ 0.50% · 4.625%
HK$80,514
+HK$4,031/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,966/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,096
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,463
−HK$2,405/mo
Today · 4.125%
HK$80,868
baseline
▲ 0.50% · 4.625%
HK$85,789
+HK$4,921/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,736/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,013,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,656
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,927
−HK$2,303/mo
Today · 4.125%
HK$89,230
baseline
▲ 0.50% · 4.625%
HK$93,934
+HK$4,704/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,460/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,013,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,838
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,881
−HK$3,092/mo
Today · 4.125%
HK$103,973
baseline
▲ 0.50% · 4.625%
HK$110,300
+HK$6,327/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,946/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,844
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,763
−HK$2,961/mo
Today · 4.125%
HK$114,724
baseline
▲ 0.50% · 4.625%
HK$120,772
+HK$6,048/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,448/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,073 · Scale 2, in force from 26 Feb 2026)