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$54,219
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,906
−HK$1,713/mo
Today · 4.125%
HK$57,619
baseline
▲ 0.50% · 4.625%
HK$61,125
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,238/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,318
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,936
−HK$1,641/mo
Today · 4.125%
HK$63,577
baseline
▲ 0.50% · 4.625%
HK$66,928
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,154/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,063
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,087
−HK$2,056/mo
Today · 4.125%
HK$69,143
baseline
▲ 0.50% · 4.625%
HK$73,350
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,286/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,382
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,323
−HK$1,969/mo
Today · 4.125%
HK$76,292
baseline
▲ 0.50% · 4.625%
HK$80,314
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,584/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,907
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,268
−HK$2,399/mo
Today · 4.125%
HK$80,667
baseline
▲ 0.50% · 4.625%
HK$85,575
+HK$4,908/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,334/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,445
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,710
−HK$2,298/mo
Today · 4.125%
HK$89,008
baseline
▲ 0.50% · 4.625%
HK$93,699
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$178,016/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,594
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,630
−HK$3,084/mo
Today · 4.125%
HK$103,714
baseline
▲ 0.50% · 4.625%
HK$110,025
+HK$6,311/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,428/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,573
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,484
−HK$2,954/mo
Today · 4.125%
HK$114,438
baseline
▲ 0.50% · 4.625%
HK$120,471
+HK$6,033/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,876/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,548 · Scale 2, in force from 26 Feb 2026)