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$54,211
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,897
−HK$1,713/mo
Today · 4.125%
HK$57,610
baseline
▲ 0.50% · 4.625%
HK$61,116
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,220/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,309
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,927
−HK$1,640/mo
Today · 4.125%
HK$63,567
baseline
▲ 0.50% · 4.625%
HK$66,918
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,134/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,053
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,077
−HK$2,055/mo
Today · 4.125%
HK$69,132
baseline
▲ 0.50% · 4.625%
HK$73,339
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,264/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,371
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,312
−HK$1,969/mo
Today · 4.125%
HK$76,281
baseline
▲ 0.50% · 4.625%
HK$80,302
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,562/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,895
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,256
−HK$2,399/mo
Today · 4.125%
HK$80,655
baseline
▲ 0.50% · 4.625%
HK$85,562
+HK$4,907/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,310/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,433
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,697
−HK$2,297/mo
Today · 4.125%
HK$88,994
baseline
▲ 0.50% · 4.625%
HK$93,685
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,988/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,580
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,615
−HK$3,084/mo
Today · 4.125%
HK$103,699
baseline
▲ 0.50% · 4.625%
HK$110,009
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,398/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,556
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,468
−HK$2,953/mo
Today · 4.125%
HK$114,421
baseline
▲ 0.50% · 4.625%
HK$120,453
+HK$6,032/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,842/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,397 · Scale 2, in force from 26 Feb 2026)