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$54,192
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,878
−HK$1,712/mo
Today · 4.125%
HK$57,590
baseline
▲ 0.50% · 4.625%
HK$61,095
+HK$3,505/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,180/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,010,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,288
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,905
−HK$1,640/mo
Today · 4.125%
HK$63,545
baseline
▲ 0.50% · 4.625%
HK$66,895
+HK$3,350/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,090/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,010,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,030
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,053
−HK$2,055/mo
Today · 4.125%
HK$69,108
baseline
▲ 0.50% · 4.625%
HK$73,313
+HK$4,205/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,216/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,346
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,286
−HK$1,968/mo
Today · 4.125%
HK$76,254
baseline
▲ 0.50% · 4.625%
HK$80,274
+HK$4,020/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,508/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,869
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,229
−HK$2,397/mo
Today · 4.125%
HK$80,626
baseline
▲ 0.50% · 4.625%
HK$85,532
+HK$4,906/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,252/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,403
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,667
−HK$2,296/mo
Today · 4.125%
HK$88,963
baseline
▲ 0.50% · 4.625%
HK$93,653
+HK$4,690/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,926/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,546
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,580
−HK$3,083/mo
Today · 4.125%
HK$103,663
baseline
▲ 0.50% · 4.625%
HK$109,970
+HK$6,307/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,326/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,519
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,429
−HK$2,952/mo
Today · 4.125%
HK$114,381
baseline
▲ 0.50% · 4.625%
HK$120,411
+HK$6,030/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,762/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,045 · Scale 2, in force from 26 Feb 2026)