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$54,185
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,870
−HK$1,713/mo
Today · 4.125%
HK$57,583
baseline
▲ 0.50% · 4.625%
HK$61,087
+HK$3,504/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,166/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,280
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,897
−HK$1,640/mo
Today · 4.125%
HK$63,537
baseline
▲ 0.50% · 4.625%
HK$66,886
+HK$3,349/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,074/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,022
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,044
−HK$2,055/mo
Today · 4.125%
HK$69,099
baseline
▲ 0.50% · 4.625%
HK$73,304
+HK$4,205/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,198/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,336
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,276
−HK$1,968/mo
Today · 4.125%
HK$76,244
baseline
▲ 0.50% · 4.625%
HK$80,263
+HK$4,019/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,488/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,859
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,219
−HK$2,397/mo
Today · 4.125%
HK$80,616
baseline
▲ 0.50% · 4.625%
HK$85,521
+HK$4,905/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,232/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,392
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,656
−HK$2,296/mo
Today · 4.125%
HK$88,952
baseline
▲ 0.50% · 4.625%
HK$93,641
+HK$4,689/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,904/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,533
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,567
−HK$3,082/mo
Today · 4.125%
HK$103,649
baseline
▲ 0.50% · 4.625%
HK$109,956
+HK$6,307/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,298/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,504
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,414
−HK$2,953/mo
Today · 4.125%
HK$114,367
baseline
▲ 0.50% · 4.625%
HK$120,395
+HK$6,028/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,734/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,913 · Scale 2, in force from 26 Feb 2026)