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$54,252
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,940
−HK$1,714/mo
Today · 4.125%
HK$57,654
baseline
▲ 0.50% · 4.625%
HK$61,163
+HK$3,509/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,308/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,355
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,974
−HK$1,642/mo
Today · 4.125%
HK$63,616
baseline
▲ 0.50% · 4.625%
HK$66,969
+HK$3,353/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,232/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,103
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,128
−HK$2,057/mo
Today · 4.125%
HK$69,185
baseline
▲ 0.50% · 4.625%
HK$73,395
+HK$4,210/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,370/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,426
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,369
−HK$1,970/mo
Today · 4.125%
HK$76,339
baseline
▲ 0.50% · 4.625%
HK$80,363
+HK$4,024/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,678/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,953
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,316
−HK$2,400/mo
Today · 4.125%
HK$80,716
baseline
▲ 0.50% · 4.625%
HK$85,628
+HK$4,912/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,432/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,497
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,763
−HK$2,299/mo
Today · 4.125%
HK$89,062
baseline
▲ 0.50% · 4.625%
HK$93,757
+HK$4,695/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,124/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,654
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,692
−HK$3,086/mo
Today · 4.125%
HK$103,778
baseline
▲ 0.50% · 4.625%
HK$110,093
+HK$6,315/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,556/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,639
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,553
−HK$2,956/mo
Today · 4.125%
HK$114,509
baseline
▲ 0.50% · 4.625%
HK$120,545
+HK$6,036/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$229,018/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,168 · Scale 2, in force from 26 Feb 2026)