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$54,234
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,921
−HK$1,714/mo
Today · 4.125%
HK$57,635
baseline
▲ 0.50% · 4.625%
HK$61,142
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,270/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,335
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,953
−HK$1,641/mo
Today · 4.125%
HK$63,594
baseline
▲ 0.50% · 4.625%
HK$66,946
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,188/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,081
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,105
−HK$2,057/mo
Today · 4.125%
HK$69,162
baseline
▲ 0.50% · 4.625%
HK$73,370
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,324/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,401
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,343
−HK$1,970/mo
Today · 4.125%
HK$76,313
baseline
▲ 0.50% · 4.625%
HK$80,336
+HK$4,023/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,626/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,927
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,289
−HK$2,400/mo
Today · 4.125%
HK$80,689
baseline
▲ 0.50% · 4.625%
HK$85,598
+HK$4,909/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,378/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,468
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,734
−HK$2,298/mo
Today · 4.125%
HK$89,032
baseline
▲ 0.50% · 4.625%
HK$93,725
+HK$4,693/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,064/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,621
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,657
−HK$3,086/mo
Today · 4.125%
HK$103,743
baseline
▲ 0.50% · 4.625%
HK$110,055
+HK$6,312/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,486/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,602
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,515
−HK$2,955/mo
Today · 4.125%
HK$114,470
baseline
▲ 0.50% · 4.625%
HK$120,504
+HK$6,034/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,940/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,824 · Scale 2, in force from 26 Feb 2026)