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$54,318
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,007
−HK$1,717/mo
Today · 4.125%
HK$57,724
baseline
▲ 0.50% · 4.625%
HK$61,236
+HK$3,512/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,448/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,428
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,048
−HK$1,644/mo
Today · 4.125%
HK$63,692
baseline
▲ 0.50% · 4.625%
HK$67,050
+HK$3,358/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,384/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,181
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,209
−HK$2,060/mo
Today · 4.125%
HK$69,269
baseline
▲ 0.50% · 4.625%
HK$73,483
+HK$4,214/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,538/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,513
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,458
−HK$1,973/mo
Today · 4.125%
HK$76,431
baseline
▲ 0.50% · 4.625%
HK$80,460
+HK$4,029/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,862/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,045
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,410
−HK$2,403/mo
Today · 4.125%
HK$80,813
baseline
▲ 0.50% · 4.625%
HK$85,731
+HK$4,918/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$161,626/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,599
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,868
−HK$2,301/mo
Today · 4.125%
HK$89,169
baseline
▲ 0.50% · 4.625%
HK$93,870
+HK$4,701/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$178,338/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,772
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,813
−HK$3,090/mo
Today · 4.125%
HK$103,903
baseline
▲ 0.50% · 4.625%
HK$110,225
+HK$6,322/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,806/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,770
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,687
−HK$2,959/mo
Today · 4.125%
HK$114,646
baseline
▲ 0.50% · 4.625%
HK$120,690
+HK$6,044/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,292/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,385 · Scale 2, in force from 26 Feb 2026)