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$54,139
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,823
−HK$1,711/mo
Today · 4.125%
HK$57,534
baseline
▲ 0.50% · 4.625%
HK$61,035
+HK$3,501/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,068/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,229
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,845
−HK$1,638/mo
Today · 4.125%
HK$63,483
baseline
▲ 0.50% · 4.625%
HK$66,830
+HK$3,347/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,966/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,967
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,988
−HK$2,053/mo
Today · 4.125%
HK$69,041
baseline
▲ 0.50% · 4.625%
HK$73,242
+HK$4,201/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,082/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,275
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,214
−HK$1,966/mo
Today · 4.125%
HK$76,180
baseline
▲ 0.50% · 4.625%
HK$80,196
+HK$4,016/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,360/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,795
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,153
−HK$2,395/mo
Today · 4.125%
HK$80,548
baseline
▲ 0.50% · 4.625%
HK$85,449
+HK$4,901/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,096/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,321
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,583
−HK$2,294/mo
Today · 4.125%
HK$88,877
baseline
▲ 0.50% · 4.625%
HK$93,562
+HK$4,685/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,754/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,451
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,482
−HK$3,080/mo
Today · 4.125%
HK$103,562
baseline
▲ 0.50% · 4.625%
HK$109,863
+HK$6,301/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,124/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,413
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,321
−HK$2,949/mo
Today · 4.125%
HK$114,270
baseline
▲ 0.50% · 4.625%
HK$120,294
+HK$6,024/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,540/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,063 · Scale 2, in force from 26 Feb 2026)