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$54,378
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,070
−HK$1,718/mo
Today · 4.125%
HK$57,788
baseline
▲ 0.50% · 4.625%
HK$61,305
+HK$3,517/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,576/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,495
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,118
−HK$1,646/mo
Today · 4.125%
HK$63,764
baseline
▲ 0.50% · 4.625%
HK$67,125
+HK$3,361/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,528/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,254
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,284
−HK$2,062/mo
Today · 4.125%
HK$69,346
baseline
▲ 0.50% · 4.625%
HK$73,565
+HK$4,219/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,692/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,594
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,541
−HK$1,975/mo
Today · 4.125%
HK$76,516
baseline
▲ 0.50% · 4.625%
HK$80,550
+HK$4,034/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,032/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,130
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,498
−HK$2,406/mo
Today · 4.125%
HK$80,904
baseline
▲ 0.50% · 4.625%
HK$85,826
+HK$4,922/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,808/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,693
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,965
−HK$2,304/mo
Today · 4.125%
HK$89,269
baseline
▲ 0.50% · 4.625%
HK$93,975
+HK$4,706/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,538/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,881
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$100,926
−HK$3,093/mo
Today · 4.125%
HK$104,019
baseline
▲ 0.50% · 4.625%
HK$110,348
+HK$6,329/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$208,038/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,891
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,812
−HK$2,963/mo
Today · 4.125%
HK$114,775
baseline
▲ 0.50% · 4.625%
HK$120,824
+HK$6,049/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$229,550/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,516 · Scale 2, in force from 26 Feb 2026)