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$54,210
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,896
−HK$1,713/mo
Today · 4.125%
HK$57,609
baseline
▲ 0.50% · 4.625%
HK$61,114
+HK$3,505/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,218/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,308
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,925
−HK$1,641/mo
Today · 4.125%
HK$63,566
baseline
▲ 0.50% · 4.625%
HK$66,917
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,132/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,052
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,075
−HK$2,056/mo
Today · 4.125%
HK$69,131
baseline
▲ 0.50% · 4.625%
HK$73,337
+HK$4,206/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,262/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,369
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,310
−HK$1,969/mo
Today · 4.125%
HK$76,279
baseline
▲ 0.50% · 4.625%
HK$80,300
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,558/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,893
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,254
−HK$2,399/mo
Today · 4.125%
HK$80,653
baseline
▲ 0.50% · 4.625%
HK$85,560
+HK$4,907/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,306/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,431
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,695
−HK$2,297/mo
Today · 4.125%
HK$88,992
baseline
▲ 0.50% · 4.625%
HK$93,683
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,984/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,577
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,613
−HK$3,083/mo
Today · 4.125%
HK$103,696
baseline
▲ 0.50% · 4.625%
HK$110,006
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,392/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,554
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,465
−HK$2,954/mo
Today · 4.125%
HK$114,419
baseline
▲ 0.50% · 4.625%
HK$120,450
+HK$6,031/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,838/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,374 · Scale 2, in force from 26 Feb 2026)