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$54,134
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,817
−HK$1,711/mo
Today · 4.125%
HK$57,528
baseline
▲ 0.50% · 4.625%
HK$61,029
+HK$3,501/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,056/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,223
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,838
−HK$1,639/mo
Today · 4.125%
HK$63,477
baseline
▲ 0.50% · 4.625%
HK$66,823
+HK$3,346/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,954/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,960
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,981
−HK$2,053/mo
Today · 4.125%
HK$69,034
baseline
▲ 0.50% · 4.625%
HK$73,234
+HK$4,200/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$138,068/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,268
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,206
−HK$1,966/mo
Today · 4.125%
HK$76,172
baseline
▲ 0.50% · 4.625%
HK$80,187
+HK$4,015/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$152,344/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,787
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,144
−HK$2,395/mo
Today · 4.125%
HK$80,539
baseline
▲ 0.50% · 4.625%
HK$85,440
+HK$4,901/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,078/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,312
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,573
−HK$2,294/mo
Today · 4.125%
HK$88,867
baseline
▲ 0.50% · 4.625%
HK$93,552
+HK$4,685/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,734/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,440
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,471
−HK$3,080/mo
Today · 4.125%
HK$103,551
baseline
▲ 0.50% · 4.625%
HK$109,852
+HK$6,301/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,102/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,401
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,309
−HK$2,949/mo
Today · 4.125%
HK$114,258
baseline
▲ 0.50% · 4.625%
HK$120,281
+HK$6,023/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,516/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,955 · Scale 2, in force from 26 Feb 2026)