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$54,331
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,021
−HK$1,717/mo
Today · 4.125%
HK$57,738
baseline
▲ 0.50% · 4.625%
HK$61,252
+HK$3,514/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,476/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,443
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,064
−HK$1,644/mo
Today · 4.125%
HK$63,708
baseline
▲ 0.50% · 4.625%
HK$67,067
+HK$3,359/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,416/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,197
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,225
−HK$2,061/mo
Today · 4.125%
HK$69,286
baseline
▲ 0.50% · 4.625%
HK$73,502
+HK$4,216/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,572/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,532
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,477
−HK$1,973/mo
Today · 4.125%
HK$76,450
baseline
▲ 0.50% · 4.625%
HK$80,480
+HK$4,030/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,900/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,064
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,430
−HK$2,404/mo
Today · 4.125%
HK$80,834
baseline
▲ 0.50% · 4.625%
HK$85,752
+HK$4,918/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,668/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,620
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,890
−HK$2,302/mo
Today · 4.125%
HK$89,192
baseline
▲ 0.50% · 4.625%
HK$93,893
+HK$4,701/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,384/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,796
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,838
−HK$3,091/mo
Today · 4.125%
HK$103,929
baseline
▲ 0.50% · 4.625%
HK$110,253
+HK$6,324/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,858/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,797
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,715
−HK$2,960/mo
Today · 4.125%
HK$114,675
baseline
▲ 0.50% · 4.625%
HK$120,720
+HK$6,045/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,350/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,640 · Scale 2, in force from 26 Feb 2026)