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$54,189
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,875
−HK$1,712/mo
Today · 4.125%
HK$57,587
baseline
▲ 0.50% · 4.625%
HK$61,091
+HK$3,504/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,174/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,285
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,901
−HK$1,641/mo
Today · 4.125%
HK$63,542
baseline
▲ 0.50% · 4.625%
HK$66,891
+HK$3,349/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,084/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,027
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,049
−HK$2,056/mo
Today · 4.125%
HK$69,105
baseline
▲ 0.50% · 4.625%
HK$73,309
+HK$4,204/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,210/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,009,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,342
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,282
−HK$1,968/mo
Today · 4.125%
HK$76,250
baseline
▲ 0.50% · 4.625%
HK$80,269
+HK$4,019/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,500/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,009,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,865
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,224
−HK$2,398/mo
Today · 4.125%
HK$80,622
baseline
▲ 0.50% · 4.625%
HK$85,528
+HK$4,906/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,244/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,399
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,662
−HK$2,296/mo
Today · 4.125%
HK$88,958
baseline
▲ 0.50% · 4.625%
HK$93,647
+HK$4,689/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,916/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,540
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,574
−HK$3,083/mo
Today · 4.125%
HK$103,657
baseline
▲ 0.50% · 4.625%
HK$109,964
+HK$6,307/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,314/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,512
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,423
−HK$2,952/mo
Today · 4.125%
HK$114,375
baseline
▲ 0.50% · 4.625%
HK$120,404
+HK$6,029/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,750/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,988 · Scale 2, in force from 26 Feb 2026)