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$54,339
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,029
−HK$1,717/mo
Today · 4.125%
HK$57,746
baseline
▲ 0.50% · 4.625%
HK$61,260
+HK$3,514/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,492/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,451
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,072
−HK$1,645/mo
Today · 4.125%
HK$63,717
baseline
▲ 0.50% · 4.625%
HK$67,076
+HK$3,359/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,434/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,206
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,235
−HK$2,060/mo
Today · 4.125%
HK$69,295
baseline
▲ 0.50% · 4.625%
HK$73,512
+HK$4,217/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,590/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,541
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,487
−HK$1,973/mo
Today · 4.125%
HK$76,460
baseline
▲ 0.50% · 4.625%
HK$80,491
+HK$4,031/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,920/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,074
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,440
−HK$2,404/mo
Today · 4.125%
HK$80,844
baseline
▲ 0.50% · 4.625%
HK$85,764
+HK$4,920/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,688/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,632
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,901
−HK$2,303/mo
Today · 4.125%
HK$89,204
baseline
▲ 0.50% · 4.625%
HK$93,906
+HK$4,702/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,408/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,809
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,852
−HK$3,091/mo
Today · 4.125%
HK$103,943
baseline
▲ 0.50% · 4.625%
HK$110,268
+HK$6,325/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,886/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,812
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,730
−HK$2,961/mo
Today · 4.125%
HK$114,691
baseline
▲ 0.50% · 4.625%
HK$120,736
+HK$6,045/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,382/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,776 · Scale 2, in force from 26 Feb 2026)