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$54,133
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,817
−HK$1,711/mo
Today · 4.125%
HK$57,528
baseline
▲ 0.50% · 4.625%
HK$61,028
+HK$3,500/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,056/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,222
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,838
−HK$1,638/mo
Today · 4.125%
HK$63,476
baseline
▲ 0.50% · 4.625%
HK$66,822
+HK$3,346/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,952/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,960
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,980
−HK$2,053/mo
Today · 4.125%
HK$69,033
baseline
▲ 0.50% · 4.625%
HK$73,234
+HK$4,201/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$138,066/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,267
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,205
−HK$1,966/mo
Today · 4.125%
HK$76,171
baseline
▲ 0.50% · 4.625%
HK$80,186
+HK$4,015/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$152,342/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,786
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,144
−HK$2,395/mo
Today · 4.125%
HK$80,539
baseline
▲ 0.50% · 4.625%
HK$85,439
+HK$4,900/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,078/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,311
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,573
−HK$2,294/mo
Today · 4.125%
HK$88,867
baseline
▲ 0.50% · 4.625%
HK$93,551
+HK$4,684/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,734/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,439
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,470
−HK$3,080/mo
Today · 4.125%
HK$103,550
baseline
▲ 0.50% · 4.625%
HK$109,851
+HK$6,301/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,100/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,400
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,308
−HK$2,949/mo
Today · 4.125%
HK$114,257
baseline
▲ 0.50% · 4.625%
HK$120,280
+HK$6,023/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,514/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,945 · Scale 2, in force from 26 Feb 2026)