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$54,188
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,874
−HK$1,712/mo
Today · 4.125%
HK$57,586
baseline
▲ 0.50% · 4.625%
HK$61,090
+HK$3,504/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,172/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,284
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,901
−HK$1,640/mo
Today · 4.125%
HK$63,541
baseline
▲ 0.50% · 4.625%
HK$66,890
+HK$3,349/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,082/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,026
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,048
−HK$2,055/mo
Today · 4.125%
HK$69,103
baseline
▲ 0.50% · 4.625%
HK$73,308
+HK$4,205/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,206/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,009,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,340
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,281
−HK$1,968/mo
Today · 4.125%
HK$76,249
baseline
▲ 0.50% · 4.625%
HK$80,268
+HK$4,019/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,498/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,009,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,863
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,223
−HK$2,398/mo
Today · 4.125%
HK$80,621
baseline
▲ 0.50% · 4.625%
HK$85,526
+HK$4,905/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,242/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,397
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,661
−HK$2,296/mo
Today · 4.125%
HK$88,957
baseline
▲ 0.50% · 4.625%
HK$93,646
+HK$4,689/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,914/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,539
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,573
−HK$3,082/mo
Today · 4.125%
HK$103,655
baseline
▲ 0.50% · 4.625%
HK$109,962
+HK$6,307/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,310/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,511
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,421
−HK$2,952/mo
Today · 4.125%
HK$114,373
baseline
▲ 0.50% · 4.625%
HK$120,402
+HK$6,029/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,746/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,973 · Scale 2, in force from 26 Feb 2026)