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$54,161
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,846
−HK$1,712/mo
Today · 4.125%
HK$57,558
baseline
▲ 0.50% · 4.625%
HK$61,060
+HK$3,502/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,116/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,254
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,870
−HK$1,639/mo
Today · 4.125%
HK$63,509
baseline
▲ 0.50% · 4.625%
HK$66,857
+HK$3,348/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,018/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,993
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,015
−HK$2,054/mo
Today · 4.125%
HK$69,069
baseline
▲ 0.50% · 4.625%
HK$73,272
+HK$4,203/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,138/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,304
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,244
−HK$1,967/mo
Today · 4.125%
HK$76,211
baseline
▲ 0.50% · 4.625%
HK$80,228
+HK$4,017/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,422/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,826
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,184
−HK$2,397/mo
Today · 4.125%
HK$80,581
baseline
▲ 0.50% · 4.625%
HK$85,484
+HK$4,903/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,162/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,355
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,618
−HK$2,295/mo
Today · 4.125%
HK$88,913
baseline
▲ 0.50% · 4.625%
HK$93,599
+HK$4,686/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,826/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,490
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,523
−HK$3,081/mo
Today · 4.125%
HK$103,604
baseline
▲ 0.50% · 4.625%
HK$109,908
+HK$6,304/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,208/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,457
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,365
−HK$2,951/mo
Today · 4.125%
HK$114,316
baseline
▲ 0.50% · 4.625%
HK$120,342
+HK$6,026/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,632/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,469 · Scale 2, in force from 26 Feb 2026)