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$54,295
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,984
−HK$1,716/mo
Today · 4.125%
HK$57,700
baseline
▲ 0.50% · 4.625%
HK$61,211
+HK$3,511/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,400/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,403
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,023
−HK$1,643/mo
Today · 4.125%
HK$63,666
baseline
▲ 0.50% · 4.625%
HK$67,022
+HK$3,356/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,332/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,154
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,181
−HK$2,059/mo
Today · 4.125%
HK$69,240
baseline
▲ 0.50% · 4.625%
HK$73,453
+HK$4,213/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$138,480/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,483
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,427
−HK$1,972/mo
Today · 4.125%
HK$76,399
baseline
▲ 0.50% · 4.625%
HK$80,426
+HK$4,027/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$152,798/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,013
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,377
−HK$2,403/mo
Today · 4.125%
HK$80,780
baseline
▲ 0.50% · 4.625%
HK$85,695
+HK$4,915/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,560/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,011,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,564
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,832
−HK$2,300/mo
Today · 4.125%
HK$89,132
baseline
▲ 0.50% · 4.625%
HK$93,831
+HK$4,699/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,264/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,011,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,731
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,771
−HK$3,089/mo
Today · 4.125%
HK$103,860
baseline
▲ 0.50% · 4.625%
HK$110,179
+HK$6,319/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,720/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,725
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,641
−HK$2,958/mo
Today · 4.125%
HK$114,599
baseline
▲ 0.50% · 4.625%
HK$120,639
+HK$6,040/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,198/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,964 · Scale 2, in force from 26 Feb 2026)