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$54,279
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,968
−HK$1,715/mo
Today · 4.125%
HK$57,683
baseline
▲ 0.50% · 4.625%
HK$61,193
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,366/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,385
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,005
−HK$1,643/mo
Today · 4.125%
HK$63,648
baseline
▲ 0.50% · 4.625%
HK$67,003
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,296/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,135
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,161
−HK$2,059/mo
Today · 4.125%
HK$69,220
baseline
▲ 0.50% · 4.625%
HK$73,432
+HK$4,212/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,440/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,462
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,406
−HK$1,971/mo
Today · 4.125%
HK$76,377
baseline
▲ 0.50% · 4.625%
HK$80,403
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,754/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,991
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,355
−HK$2,402/mo
Today · 4.125%
HK$80,757
baseline
▲ 0.50% · 4.625%
HK$85,670
+HK$4,913/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,514/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,540
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,807
−HK$2,300/mo
Today · 4.125%
HK$89,107
baseline
▲ 0.50% · 4.625%
HK$93,804
+HK$4,697/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,214/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,703
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,742
−HK$3,088/mo
Today · 4.125%
HK$103,830
baseline
▲ 0.50% · 4.625%
HK$110,148
+HK$6,318/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,660/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,694
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,609
−HK$2,957/mo
Today · 4.125%
HK$114,566
baseline
▲ 0.50% · 4.625%
HK$120,605
+HK$6,039/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,132/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,675 · Scale 2, in force from 26 Feb 2026)