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$54,225
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,911
−HK$1,714/mo
Today · 4.125%
HK$57,625
baseline
▲ 0.50% · 4.625%
HK$61,131
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,250/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,324
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,942
−HK$1,642/mo
Today · 4.125%
HK$63,584
baseline
▲ 0.50% · 4.625%
HK$66,935
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,168/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,070
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,094
−HK$2,056/mo
Today · 4.125%
HK$69,150
baseline
▲ 0.50% · 4.625%
HK$73,358
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,300/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,389
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,331
−HK$1,969/mo
Today · 4.125%
HK$76,300
baseline
▲ 0.50% · 4.625%
HK$80,322
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,600/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,915
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,276
−HK$2,399/mo
Today · 4.125%
HK$80,675
baseline
▲ 0.50% · 4.625%
HK$85,584
+HK$4,909/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$161,350/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,454
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,719
−HK$2,298/mo
Today · 4.125%
HK$89,017
baseline
▲ 0.50% · 4.625%
HK$93,709
+HK$4,692/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$178,034/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,604
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,641
−HK$3,084/mo
Today · 4.125%
HK$103,725
baseline
▲ 0.50% · 4.625%
HK$110,037
+HK$6,312/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,450/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,584
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,496
−HK$2,954/mo
Today · 4.125%
HK$114,450
baseline
▲ 0.50% · 4.625%
HK$120,483
+HK$6,033/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,900/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,654 · Scale 2, in force from 26 Feb 2026)