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$54,157
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,842
−HK$1,711/mo
Today · 4.125%
HK$57,553
baseline
▲ 0.50% · 4.625%
HK$61,055
+HK$3,502/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,106/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,249
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,865
−HK$1,639/mo
Today · 4.125%
HK$63,504
baseline
▲ 0.50% · 4.625%
HK$66,852
+HK$3,348/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,008/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,988
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,010
−HK$2,054/mo
Today · 4.125%
HK$69,064
baseline
▲ 0.50% · 4.625%
HK$73,266
+HK$4,202/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,128/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,299
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,238
−HK$1,967/mo
Today · 4.125%
HK$76,205
baseline
▲ 0.50% · 4.625%
HK$80,222
+HK$4,017/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,410/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,820
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,178
−HK$2,396/mo
Today · 4.125%
HK$80,574
baseline
▲ 0.50% · 4.625%
HK$85,477
+HK$4,903/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,148/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,349
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,611
−HK$2,295/mo
Today · 4.125%
HK$88,906
baseline
▲ 0.50% · 4.625%
HK$93,592
+HK$4,686/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,812/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,483
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,515
−HK$3,081/mo
Today · 4.125%
HK$103,596
baseline
▲ 0.50% · 4.625%
HK$109,899
+HK$6,303/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,192/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,449
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,357
−HK$2,951/mo
Today · 4.125%
HK$114,308
baseline
▲ 0.50% · 4.625%
HK$120,333
+HK$6,025/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,616/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,394 · Scale 2, in force from 26 Feb 2026)