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$54,289
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,978
−HK$1,716/mo
Today · 4.125%
HK$57,694
baseline
▲ 0.50% · 4.625%
HK$61,204
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,388/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,396
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,016
−HK$1,643/mo
Today · 4.125%
HK$63,659
baseline
▲ 0.50% · 4.625%
HK$67,015
+HK$3,356/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,318/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,147
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,174
−HK$2,058/mo
Today · 4.125%
HK$69,232
baseline
▲ 0.50% · 4.625%
HK$73,445
+HK$4,213/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$138,464/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,476
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,419
−HK$1,972/mo
Today · 4.125%
HK$76,391
baseline
▲ 0.50% · 4.625%
HK$80,418
+HK$4,027/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$152,782/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,005
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,369
−HK$2,402/mo
Today · 4.125%
HK$80,771
baseline
▲ 0.50% · 4.625%
HK$85,686
+HK$4,915/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,542/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,555
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,823
−HK$2,300/mo
Today · 4.125%
HK$89,123
baseline
▲ 0.50% · 4.625%
HK$93,821
+HK$4,698/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,246/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,721
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,760
−HK$3,089/mo
Today · 4.125%
HK$103,849
baseline
▲ 0.50% · 4.625%
HK$110,168
+HK$6,319/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,698/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,713
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,629
−HK$2,958/mo
Today · 4.125%
HK$114,587
baseline
▲ 0.50% · 4.625%
HK$120,627
+HK$6,040/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,174/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,858 · Scale 2, in force from 26 Feb 2026)