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$54,200
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,886
−HK$1,713/mo
Today · 4.125%
HK$57,599
baseline
▲ 0.50% · 4.625%
HK$61,104
+HK$3,505/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,198/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,010,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,297
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,914
−HK$1,641/mo
Today · 4.125%
HK$63,555
baseline
▲ 0.50% · 4.625%
HK$66,905
+HK$3,350/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,110/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,010,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,040
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,063
−HK$2,056/mo
Today · 4.125%
HK$69,119
baseline
▲ 0.50% · 4.625%
HK$73,324
+HK$4,205/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,238/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,356
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,297
−HK$1,968/mo
Today · 4.125%
HK$76,265
baseline
▲ 0.50% · 4.625%
HK$80,286
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,530/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,880
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,240
−HK$2,398/mo
Today · 4.125%
HK$80,638
baseline
▲ 0.50% · 4.625%
HK$85,545
+HK$4,907/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,276/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,416
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,680
−HK$2,296/mo
Today · 4.125%
HK$88,976
baseline
▲ 0.50% · 4.625%
HK$93,666
+HK$4,690/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,952/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,560
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,595
−HK$3,083/mo
Today · 4.125%
HK$103,678
baseline
▲ 0.50% · 4.625%
HK$109,986
+HK$6,308/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,356/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,534
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,445
−HK$2,953/mo
Today · 4.125%
HK$114,398
baseline
▲ 0.50% · 4.625%
HK$120,428
+HK$6,030/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,796/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,193 · Scale 2, in force from 26 Feb 2026)