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$54,238
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,925
−HK$1,714/mo
Today · 4.125%
HK$57,639
baseline
▲ 0.50% · 4.625%
HK$61,146
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,278/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,339
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,957
−HK$1,642/mo
Today · 4.125%
HK$63,599
baseline
▲ 0.50% · 4.625%
HK$66,951
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,198/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,085
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,110
−HK$2,057/mo
Today · 4.125%
HK$69,167
baseline
▲ 0.50% · 4.625%
HK$73,375
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,334/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,010,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,407
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,349
−HK$1,970/mo
Today · 4.125%
HK$76,319
baseline
▲ 0.50% · 4.625%
HK$80,342
+HK$4,023/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,638/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,010,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,933
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,295
−HK$2,400/mo
Today · 4.125%
HK$80,695
baseline
▲ 0.50% · 4.625%
HK$85,605
+HK$4,910/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,390/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,475
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,740
−HK$2,299/mo
Today · 4.125%
HK$89,039
baseline
▲ 0.50% · 4.625%
HK$93,732
+HK$4,693/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,078/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,628
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,665
−HK$3,085/mo
Today · 4.125%
HK$103,750
baseline
▲ 0.50% · 4.625%
HK$110,063
+HK$6,313/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,500/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,610
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,523
−HK$2,955/mo
Today · 4.125%
HK$114,478
baseline
▲ 0.50% · 4.625%
HK$120,512
+HK$6,034/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,956/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,899 · Scale 2, in force from 26 Feb 2026)