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$54,318
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,008
−HK$1,716/mo
Today · 4.125%
HK$57,724
baseline
▲ 0.50% · 4.625%
HK$61,237
+HK$3,513/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,448/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,428
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,049
−HK$1,644/mo
Today · 4.125%
HK$63,693
baseline
▲ 0.50% · 4.625%
HK$67,050
+HK$3,357/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,386/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,182
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,209
−HK$2,060/mo
Today · 4.125%
HK$69,269
baseline
▲ 0.50% · 4.625%
HK$73,484
+HK$4,215/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,538/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,514
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,459
−HK$1,973/mo
Today · 4.125%
HK$76,432
baseline
▲ 0.50% · 4.625%
HK$80,461
+HK$4,029/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,864/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,045
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,411
−HK$2,403/mo
Today · 4.125%
HK$80,814
baseline
▲ 0.50% · 4.625%
HK$85,731
+HK$4,917/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$161,628/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,600
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,869
−HK$2,301/mo
Today · 4.125%
HK$89,170
baseline
▲ 0.50% · 4.625%
HK$93,871
+HK$4,701/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$178,340/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,773
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,814
−HK$3,090/mo
Today · 4.125%
HK$103,904
baseline
▲ 0.50% · 4.625%
HK$110,226
+HK$6,322/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,808/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,771
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,688
−HK$2,960/mo
Today · 4.125%
HK$114,648
baseline
▲ 0.50% · 4.625%
HK$120,691
+HK$6,043/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,296/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,395 · Scale 2, in force from 26 Feb 2026)