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$54,193
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,879
−HK$1,713/mo
Today · 4.125%
HK$57,592
baseline
▲ 0.50% · 4.625%
HK$61,096
+HK$3,504/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,184/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,010,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,290
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,907
−HK$1,640/mo
Today · 4.125%
HK$63,547
baseline
▲ 0.50% · 4.625%
HK$66,897
+HK$3,350/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,094/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,010,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,032
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,055
−HK$2,055/mo
Today · 4.125%
HK$69,110
baseline
▲ 0.50% · 4.625%
HK$73,315
+HK$4,205/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,220/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,348
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,288
−HK$1,968/mo
Today · 4.125%
HK$76,256
baseline
▲ 0.50% · 4.625%
HK$80,276
+HK$4,020/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,512/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,871
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,231
−HK$2,398/mo
Today · 4.125%
HK$80,629
baseline
▲ 0.50% · 4.625%
HK$85,535
+HK$4,906/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,258/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,406
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,669
−HK$2,297/mo
Today · 4.125%
HK$88,966
baseline
▲ 0.50% · 4.625%
HK$93,655
+HK$4,689/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,932/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,548
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,583
−HK$3,082/mo
Today · 4.125%
HK$103,665
baseline
▲ 0.50% · 4.625%
HK$109,973
+HK$6,308/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,330/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,521
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,432
−HK$2,953/mo
Today · 4.125%
HK$114,385
baseline
▲ 0.50% · 4.625%
HK$120,414
+HK$6,029/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,770/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,073 · Scale 2, in force from 26 Feb 2026)