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$54,136
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,820
−HK$1,711/mo
Today · 4.125%
HK$57,531
baseline
▲ 0.50% · 4.625%
HK$61,032
+HK$3,501/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,062/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,226
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,841
−HK$1,639/mo
Today · 4.125%
HK$63,480
baseline
▲ 0.50% · 4.625%
HK$66,826
+HK$3,346/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,960/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,964
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,984
−HK$2,053/mo
Today · 4.125%
HK$69,037
baseline
▲ 0.50% · 4.625%
HK$73,238
+HK$4,201/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$138,074/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,271
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,210
−HK$1,966/mo
Today · 4.125%
HK$76,176
baseline
▲ 0.50% · 4.625%
HK$80,191
+HK$4,015/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$152,352/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,791
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,148
−HK$2,396/mo
Today · 4.125%
HK$80,544
baseline
▲ 0.50% · 4.625%
HK$85,445
+HK$4,901/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,088/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,317
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,578
−HK$2,294/mo
Today · 4.125%
HK$88,872
baseline
▲ 0.50% · 4.625%
HK$93,557
+HK$4,685/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,744/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,446
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,477
−HK$3,079/mo
Today · 4.125%
HK$103,556
baseline
▲ 0.50% · 4.625%
HK$109,857
+HK$6,301/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,112/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,407
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,315
−HK$2,949/mo
Today · 4.125%
HK$114,264
baseline
▲ 0.50% · 4.625%
HK$120,287
+HK$6,023/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,528/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,008 · Scale 2, in force from 26 Feb 2026)