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$54,164
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,849
−HK$1,712/mo
Today · 4.125%
HK$57,561
baseline
▲ 0.50% · 4.625%
HK$61,063
+HK$3,502/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,122/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,257
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,873
−HK$1,640/mo
Today · 4.125%
HK$63,513
baseline
▲ 0.50% · 4.625%
HK$66,860
+HK$3,347/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,026/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,997
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,019
−HK$2,054/mo
Today · 4.125%
HK$69,073
baseline
▲ 0.50% · 4.625%
HK$73,276
+HK$4,203/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,146/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,308
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,248
−HK$1,967/mo
Today · 4.125%
HK$76,215
baseline
▲ 0.50% · 4.625%
HK$80,232
+HK$4,017/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,430/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,830
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,189
−HK$2,396/mo
Today · 4.125%
HK$80,585
baseline
▲ 0.50% · 4.625%
HK$85,488
+HK$4,903/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,170/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,360
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,622
−HK$2,296/mo
Today · 4.125%
HK$88,918
baseline
▲ 0.50% · 4.625%
HK$93,605
+HK$4,687/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,836/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,495
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,528
−HK$3,081/mo
Today · 4.125%
HK$103,609
baseline
▲ 0.50% · 4.625%
HK$109,914
+HK$6,305/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,218/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,463
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,372
−HK$2,951/mo
Today · 4.125%
HK$114,323
baseline
▲ 0.50% · 4.625%
HK$120,349
+HK$6,026/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,646/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,525 · Scale 2, in force from 26 Feb 2026)