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$54,144
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,828
−HK$1,711/mo
Today · 4.125%
HK$57,539
baseline
▲ 0.50% · 4.625%
HK$61,041
+HK$3,502/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,078/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,235
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,850
−HK$1,639/mo
Today · 4.125%
HK$63,489
baseline
▲ 0.50% · 4.625%
HK$66,836
+HK$3,347/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,978/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,973
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,994
−HK$2,053/mo
Today · 4.125%
HK$69,047
baseline
▲ 0.50% · 4.625%
HK$73,249
+HK$4,202/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,094/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,282
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,220
−HK$1,967/mo
Today · 4.125%
HK$76,187
baseline
▲ 0.50% · 4.625%
HK$80,203
+HK$4,016/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,374/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,802
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,160
−HK$2,395/mo
Today · 4.125%
HK$80,555
baseline
▲ 0.50% · 4.625%
HK$85,457
+HK$4,902/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,110/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,329
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,590
−HK$2,295/mo
Today · 4.125%
HK$88,885
baseline
▲ 0.50% · 4.625%
HK$93,570
+HK$4,685/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,770/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,459
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,491
−HK$3,080/mo
Today · 4.125%
HK$103,571
baseline
▲ 0.50% · 4.625%
HK$109,873
+HK$6,302/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,142/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,423
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,330
−HK$2,950/mo
Today · 4.125%
HK$114,280
baseline
▲ 0.50% · 4.625%
HK$120,304
+HK$6,024/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,560/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,153 · Scale 2, in force from 26 Feb 2026)