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$54,236
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,923
−HK$1,714/mo
Today · 4.125%
HK$57,637
baseline
▲ 0.50% · 4.625%
HK$61,144
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,274/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,337
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,955
−HK$1,642/mo
Today · 4.125%
HK$63,597
baseline
▲ 0.50% · 4.625%
HK$66,949
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,194/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,083
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,108
−HK$2,057/mo
Today · 4.125%
HK$69,165
baseline
▲ 0.50% · 4.625%
HK$73,373
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,330/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,405
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,346
−HK$1,970/mo
Today · 4.125%
HK$76,316
baseline
▲ 0.50% · 4.625%
HK$80,339
+HK$4,023/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,632/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,931
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,292
−HK$2,400/mo
Today · 4.125%
HK$80,692
baseline
▲ 0.50% · 4.625%
HK$85,602
+HK$4,910/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,384/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,472
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,737
−HK$2,299/mo
Today · 4.125%
HK$89,036
baseline
▲ 0.50% · 4.625%
HK$93,729
+HK$4,693/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,072/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,625
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,662
−HK$3,085/mo
Today · 4.125%
HK$103,747
baseline
▲ 0.50% · 4.625%
HK$110,060
+HK$6,313/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,494/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,607
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,520
−HK$2,954/mo
Today · 4.125%
HK$114,474
baseline
▲ 0.50% · 4.625%
HK$120,509
+HK$6,035/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,948/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,867 · Scale 2, in force from 26 Feb 2026)