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$54,208
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,894
−HK$1,713/mo
Today · 4.125%
HK$57,607
baseline
▲ 0.50% · 4.625%
HK$61,113
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,214/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,306
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,923
−HK$1,641/mo
Today · 4.125%
HK$63,564
baseline
▲ 0.50% · 4.625%
HK$66,915
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,128/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,050
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,073
−HK$2,056/mo
Today · 4.125%
HK$69,129
baseline
▲ 0.50% · 4.625%
HK$73,335
+HK$4,206/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,258/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,367
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,308
−HK$1,969/mo
Today · 4.125%
HK$76,277
baseline
▲ 0.50% · 4.625%
HK$80,297
+HK$4,020/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,554/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,891
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,252
−HK$2,398/mo
Today · 4.125%
HK$80,650
baseline
▲ 0.50% · 4.625%
HK$85,558
+HK$4,908/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,300/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,428
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,692
−HK$2,298/mo
Today · 4.125%
HK$88,990
baseline
▲ 0.50% · 4.625%
HK$93,680
+HK$4,690/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,980/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,574
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,609
−HK$3,084/mo
Today · 4.125%
HK$103,693
baseline
▲ 0.50% · 4.625%
HK$110,003
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,386/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,551
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,462
−HK$2,953/mo
Today · 4.125%
HK$114,415
baseline
▲ 0.50% · 4.625%
HK$120,446
+HK$6,031/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,830/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,343 · Scale 2, in force from 26 Feb 2026)