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$54,122
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,806
−HK$1,710/mo
Today · 4.125%
HK$57,516
baseline
▲ 0.50% · 4.625%
HK$61,016
+HK$3,500/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,032/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,211
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,826
−HK$1,638/mo
Today · 4.125%
HK$63,464
baseline
▲ 0.50% · 4.625%
HK$66,809
+HK$3,345/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,928/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,947
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,967
−HK$2,053/mo
Today · 4.125%
HK$69,020
baseline
▲ 0.50% · 4.625%
HK$73,219
+HK$4,199/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,040/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,253
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,191
−HK$1,965/mo
Today · 4.125%
HK$76,156
baseline
▲ 0.50% · 4.625%
HK$80,171
+HK$4,015/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,312/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,771
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,128
−HK$2,395/mo
Today · 4.125%
HK$80,523
baseline
▲ 0.50% · 4.625%
HK$85,423
+HK$4,900/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$161,046/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,295
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,556
−HK$2,293/mo
Today · 4.125%
HK$88,849
baseline
▲ 0.50% · 4.625%
HK$93,533
+HK$4,684/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,698/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,420
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,451
−HK$3,079/mo
Today · 4.125%
HK$103,530
baseline
▲ 0.50% · 4.625%
HK$109,829
+HK$6,299/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,060/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,379
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,286
−HK$2,949/mo
Today · 4.125%
HK$114,235
baseline
▲ 0.50% · 4.625%
HK$120,256
+HK$6,021/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,470/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,749 · Scale 2, in force from 26 Feb 2026)