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$54,138
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,822
−HK$1,711/mo
Today · 4.125%
HK$57,533
baseline
▲ 0.50% · 4.625%
HK$61,033
+HK$3,500/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,066/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,228
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,843
−HK$1,639/mo
Today · 4.125%
HK$63,482
baseline
▲ 0.50% · 4.625%
HK$66,828
+HK$3,346/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,964/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,965
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,986
−HK$2,053/mo
Today · 4.125%
HK$69,039
baseline
▲ 0.50% · 4.625%
HK$73,240
+HK$4,201/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,078/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,273
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,211
−HK$1,967/mo
Today · 4.125%
HK$76,178
baseline
▲ 0.50% · 4.625%
HK$80,193
+HK$4,015/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,356/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,793
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,150
−HK$2,396/mo
Today · 4.125%
HK$80,546
baseline
▲ 0.50% · 4.625%
HK$85,447
+HK$4,901/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,092/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,319
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,580
−HK$2,294/mo
Today · 4.125%
HK$88,874
baseline
▲ 0.50% · 4.625%
HK$93,559
+HK$4,685/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,748/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,448
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,479
−HK$3,080/mo
Today · 4.125%
HK$103,559
baseline
▲ 0.50% · 4.625%
HK$109,860
+HK$6,301/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,118/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,410
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,317
−HK$2,950/mo
Today · 4.125%
HK$114,267
baseline
▲ 0.50% · 4.625%
HK$120,290
+HK$6,023/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,534/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,032 · Scale 2, in force from 26 Feb 2026)