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$54,232
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,918
−HK$1,714/mo
Today · 4.125%
HK$57,632
baseline
▲ 0.50% · 4.625%
HK$61,139
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,264/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,332
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,950
−HK$1,642/mo
Today · 4.125%
HK$63,592
baseline
▲ 0.50% · 4.625%
HK$66,944
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,184/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,078
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,102
−HK$2,057/mo
Today · 4.125%
HK$69,159
baseline
▲ 0.50% · 4.625%
HK$73,367
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,318/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,399
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,340
−HK$1,970/mo
Today · 4.125%
HK$76,310
baseline
▲ 0.50% · 4.625%
HK$80,332
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,620/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,924
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,286
−HK$2,399/mo
Today · 4.125%
HK$80,685
baseline
▲ 0.50% · 4.625%
HK$85,595
+HK$4,910/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$161,370/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,465
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,730
−HK$2,298/mo
Today · 4.125%
HK$89,028
baseline
▲ 0.50% · 4.625%
HK$93,721
+HK$4,693/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$178,056/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,617
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,653
−HK$3,085/mo
Today · 4.125%
HK$103,738
baseline
▲ 0.50% · 4.625%
HK$110,051
+HK$6,313/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,476/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,598
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,510
−HK$2,955/mo
Today · 4.125%
HK$114,465
baseline
▲ 0.50% · 4.625%
HK$120,499
+HK$6,034/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,930/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,782 · Scale 2, in force from 26 Feb 2026)