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$54,156
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,841
−HK$1,711/mo
Today · 4.125%
HK$57,552
baseline
▲ 0.50% · 4.625%
HK$61,054
+HK$3,502/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,104/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,248
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,864
−HK$1,639/mo
Today · 4.125%
HK$63,503
baseline
▲ 0.50% · 4.625%
HK$66,851
+HK$3,348/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,006/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,987
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,009
−HK$2,054/mo
Today · 4.125%
HK$69,063
baseline
▲ 0.50% · 4.625%
HK$73,265
+HK$4,202/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,126/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,298
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,237
−HK$1,967/mo
Today · 4.125%
HK$76,204
baseline
▲ 0.50% · 4.625%
HK$80,221
+HK$4,017/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,408/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,819
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,177
−HK$2,396/mo
Today · 4.125%
HK$80,573
baseline
▲ 0.50% · 4.625%
HK$85,476
+HK$4,903/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,146/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,347
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,610
−HK$2,294/mo
Today · 4.125%
HK$88,904
baseline
▲ 0.50% · 4.625%
HK$93,591
+HK$4,687/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,808/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,481
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,513
−HK$3,081/mo
Today · 4.125%
HK$103,594
baseline
▲ 0.50% · 4.625%
HK$109,897
+HK$6,303/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,188/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,447
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,355
−HK$2,951/mo
Today · 4.125%
HK$114,306
baseline
▲ 0.50% · 4.625%
HK$120,331
+HK$6,025/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,612/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,377 · Scale 2, in force from 26 Feb 2026)