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$54,368
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,060
−HK$1,718/mo
Today · 4.125%
HK$57,778
baseline
▲ 0.50% · 4.625%
HK$61,293
+HK$3,515/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,556/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,484
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,106
−HK$1,646/mo
Today · 4.125%
HK$63,752
baseline
▲ 0.50% · 4.625%
HK$67,113
+HK$3,361/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,504/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,242
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,271
−HK$2,062/mo
Today · 4.125%
HK$69,333
baseline
▲ 0.50% · 4.625%
HK$73,552
+HK$4,219/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,666/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,581
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,528
−HK$1,974/mo
Today · 4.125%
HK$76,502
baseline
▲ 0.50% · 4.625%
HK$80,535
+HK$4,033/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,004/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,116
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,483
−HK$2,406/mo
Today · 4.125%
HK$80,889
baseline
▲ 0.50% · 4.625%
HK$85,811
+HK$4,922/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,778/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,678
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,949
−HK$2,304/mo
Today · 4.125%
HK$89,253
baseline
▲ 0.50% · 4.625%
HK$93,958
+HK$4,705/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,506/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,863
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,907
−HK$3,093/mo
Today · 4.125%
HK$104,000
baseline
▲ 0.50% · 4.625%
HK$110,328
+HK$6,328/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$208,000/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,872
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,792
−HK$2,962/mo
Today · 4.125%
HK$114,754
baseline
▲ 0.50% · 4.625%
HK$120,803
+HK$6,049/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$229,508/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,332 · Scale 2, in force from 26 Feb 2026)