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$54,202
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,888
−HK$1,713/mo
Today · 4.125%
HK$57,601
baseline
▲ 0.50% · 4.625%
HK$61,106
+HK$3,505/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,202/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,299
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,916
−HK$1,641/mo
Today · 4.125%
HK$63,557
baseline
▲ 0.50% · 4.625%
HK$66,907
+HK$3,350/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,114/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,042
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,065
−HK$2,056/mo
Today · 4.125%
HK$69,121
baseline
▲ 0.50% · 4.625%
HK$73,327
+HK$4,206/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,242/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,359
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,299
−HK$1,969/mo
Today · 4.125%
HK$76,268
baseline
▲ 0.50% · 4.625%
HK$80,288
+HK$4,020/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,536/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,883
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,243
−HK$2,398/mo
Today · 4.125%
HK$80,641
baseline
▲ 0.50% · 4.625%
HK$85,548
+HK$4,907/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,282/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,419
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,683
−HK$2,296/mo
Today · 4.125%
HK$88,979
baseline
▲ 0.50% · 4.625%
HK$93,670
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,958/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,563
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,598
−HK$3,083/mo
Today · 4.125%
HK$103,681
baseline
▲ 0.50% · 4.625%
HK$109,990
+HK$6,309/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,362/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,538
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,449
−HK$2,953/mo
Today · 4.125%
HK$114,402
baseline
▲ 0.50% · 4.625%
HK$120,433
+HK$6,031/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,804/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,228 · Scale 2, in force from 26 Feb 2026)