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$54,206
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,892
−HK$1,713/mo
Today · 4.125%
HK$57,605
baseline
▲ 0.50% · 4.625%
HK$61,110
+HK$3,505/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,210/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,303
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,921
−HK$1,640/mo
Today · 4.125%
HK$63,561
baseline
▲ 0.50% · 4.625%
HK$66,912
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,122/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,047
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,070
−HK$2,056/mo
Today · 4.125%
HK$69,126
baseline
▲ 0.50% · 4.625%
HK$73,332
+HK$4,206/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,252/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,364
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,305
−HK$1,969/mo
Today · 4.125%
HK$76,274
baseline
▲ 0.50% · 4.625%
HK$80,294
+HK$4,020/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,548/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,888
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,249
−HK$2,398/mo
Today · 4.125%
HK$80,647
baseline
▲ 0.50% · 4.625%
HK$85,554
+HK$4,907/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,294/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,425
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,689
−HK$2,297/mo
Today · 4.125%
HK$88,986
baseline
▲ 0.50% · 4.625%
HK$93,677
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,972/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,570
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,605
−HK$3,084/mo
Today · 4.125%
HK$103,689
baseline
▲ 0.50% · 4.625%
HK$109,998
+HK$6,309/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,378/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,546
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,457
−HK$2,954/mo
Today · 4.125%
HK$114,411
baseline
▲ 0.50% · 4.625%
HK$120,441
+HK$6,030/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,822/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,302 · Scale 2, in force from 26 Feb 2026)