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$54,172
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,857
−HK$1,712/mo
Today · 4.125%
HK$57,569
baseline
▲ 0.50% · 4.625%
HK$61,072
+HK$3,503/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,138/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,266
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,882
−HK$1,640/mo
Today · 4.125%
HK$63,522
baseline
▲ 0.50% · 4.625%
HK$66,870
+HK$3,348/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,044/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,007
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,029
−HK$2,054/mo
Today · 4.125%
HK$69,083
baseline
▲ 0.50% · 4.625%
HK$73,287
+HK$4,204/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,166/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,319
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,259
−HK$1,967/mo
Today · 4.125%
HK$76,226
baseline
▲ 0.50% · 4.625%
HK$80,244
+HK$4,018/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,452/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,841
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,200
−HK$2,397/mo
Today · 4.125%
HK$80,597
baseline
▲ 0.50% · 4.625%
HK$85,501
+HK$4,904/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,194/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,372
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,635
−HK$2,296/mo
Today · 4.125%
HK$88,931
baseline
▲ 0.50% · 4.625%
HK$93,618
+HK$4,687/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,862/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,510
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,543
−HK$3,082/mo
Today · 4.125%
HK$103,625
baseline
▲ 0.50% · 4.625%
HK$109,930
+HK$6,305/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,250/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,479
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,388
−HK$2,952/mo
Today · 4.125%
HK$114,340
baseline
▲ 0.50% · 4.625%
HK$120,367
+HK$6,027/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,680/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,676 · Scale 2, in force from 26 Feb 2026)