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$54,213
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,899
−HK$1,713/mo
Today · 4.125%
HK$57,612
baseline
▲ 0.50% · 4.625%
HK$61,118
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,224/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,311
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,929
−HK$1,641/mo
Today · 4.125%
HK$63,570
baseline
▲ 0.50% · 4.625%
HK$66,920
+HK$3,350/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,140/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,055
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,079
−HK$2,056/mo
Today · 4.125%
HK$69,135
baseline
▲ 0.50% · 4.625%
HK$73,342
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,270/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,373
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,314
−HK$1,970/mo
Today · 4.125%
HK$76,284
baseline
▲ 0.50% · 4.625%
HK$80,305
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,568/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,898
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,259
−HK$2,398/mo
Today · 4.125%
HK$80,657
baseline
▲ 0.50% · 4.625%
HK$85,565
+HK$4,908/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,314/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,436
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,700
−HK$2,297/mo
Today · 4.125%
HK$88,997
baseline
▲ 0.50% · 4.625%
HK$93,689
+HK$4,692/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,994/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,583
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,618
−HK$3,084/mo
Today · 4.125%
HK$103,702
baseline
▲ 0.50% · 4.625%
HK$110,012
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,404/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,560
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,472
−HK$2,953/mo
Today · 4.125%
HK$114,425
baseline
▲ 0.50% · 4.625%
HK$120,457
+HK$6,032/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,850/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,432 · Scale 2, in force from 26 Feb 2026)