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$54,135
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,819
−HK$1,710/mo
Today · 4.125%
HK$57,529
baseline
▲ 0.50% · 4.625%
HK$61,030
+HK$3,501/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,058/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,224
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,839
−HK$1,639/mo
Today · 4.125%
HK$63,478
baseline
▲ 0.50% · 4.625%
HK$66,824
+HK$3,346/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,956/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,962
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,982
−HK$2,053/mo
Today · 4.125%
HK$69,035
baseline
▲ 0.50% · 4.625%
HK$73,236
+HK$4,201/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$138,070/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,008,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,269
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,207
−HK$1,967/mo
Today · 4.125%
HK$76,174
baseline
▲ 0.50% · 4.625%
HK$80,189
+HK$4,015/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$152,348/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,008,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,789
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,146
−HK$2,395/mo
Today · 4.125%
HK$80,541
baseline
▲ 0.50% · 4.625%
HK$85,442
+HK$4,901/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,082/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,314
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,575
−HK$2,294/mo
Today · 4.125%
HK$88,869
baseline
▲ 0.50% · 4.625%
HK$93,554
+HK$4,685/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,738/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,442
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,473
−HK$3,080/mo
Today · 4.125%
HK$103,553
baseline
▲ 0.50% · 4.625%
HK$109,854
+HK$6,301/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,106/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,404
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,311
−HK$2,949/mo
Today · 4.125%
HK$114,260
baseline
▲ 0.50% · 4.625%
HK$120,283
+HK$6,023/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,520/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,976 · Scale 2, in force from 26 Feb 2026)