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$54,224
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,911
−HK$1,713/mo
Today · 4.125%
HK$57,624
baseline
▲ 0.50% · 4.625%
HK$61,131
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,248/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,324
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,942
−HK$1,641/mo
Today · 4.125%
HK$63,583
baseline
▲ 0.50% · 4.625%
HK$66,934
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,166/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,069
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,093
−HK$2,056/mo
Today · 4.125%
HK$69,149
baseline
▲ 0.50% · 4.625%
HK$73,357
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,298/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,389
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,330
−HK$1,970/mo
Today · 4.125%
HK$76,300
baseline
▲ 0.50% · 4.625%
HK$80,321
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,600/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,914
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,275
−HK$2,399/mo
Today · 4.125%
HK$80,674
baseline
▲ 0.50% · 4.625%
HK$85,583
+HK$4,909/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$161,348/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,453
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,718
−HK$2,298/mo
Today · 4.125%
HK$89,016
baseline
▲ 0.50% · 4.625%
HK$93,708
+HK$4,692/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$178,032/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,603
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,639
−HK$3,085/mo
Today · 4.125%
HK$103,724
baseline
▲ 0.50% · 4.625%
HK$110,035
+HK$6,311/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,448/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,583
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,495
−HK$2,954/mo
Today · 4.125%
HK$114,449
baseline
▲ 0.50% · 4.625%
HK$120,482
+HK$6,033/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,898/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,644 · Scale 2, in force from 26 Feb 2026)