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$54,277
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,966
−HK$1,715/mo
Today · 4.125%
HK$57,681
baseline
▲ 0.50% · 4.625%
HK$61,191
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,362/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,383
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,002
−HK$1,643/mo
Today · 4.125%
HK$63,645
baseline
▲ 0.50% · 4.625%
HK$67,000
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,290/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,133
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,159
−HK$2,058/mo
Today · 4.125%
HK$69,217
baseline
▲ 0.50% · 4.625%
HK$73,429
+HK$4,212/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,434/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,459
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,403
−HK$1,971/mo
Today · 4.125%
HK$76,374
baseline
▲ 0.50% · 4.625%
HK$80,400
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,748/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,988
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,352
−HK$2,401/mo
Today · 4.125%
HK$80,753
baseline
▲ 0.50% · 4.625%
HK$85,667
+HK$4,914/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,506/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,536
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,803
−HK$2,300/mo
Today · 4.125%
HK$89,103
baseline
▲ 0.50% · 4.625%
HK$93,800
+HK$4,697/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,206/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,699
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,738
−HK$3,088/mo
Today · 4.125%
HK$103,826
baseline
▲ 0.50% · 4.625%
HK$110,143
+HK$6,317/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,652/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,689
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,604
−HK$2,957/mo
Today · 4.125%
HK$114,561
baseline
▲ 0.50% · 4.625%
HK$120,600
+HK$6,039/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,122/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,634 · Scale 2, in force from 26 Feb 2026)