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$54,168
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,853
−HK$1,712/mo
Today · 4.125%
HK$57,565
baseline
▲ 0.50% · 4.625%
HK$61,068
+HK$3,503/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,130/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,261
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,878
−HK$1,639/mo
Today · 4.125%
HK$63,517
baseline
▲ 0.50% · 4.625%
HK$66,865
+HK$3,348/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,034/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,002
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,024
−HK$2,054/mo
Today · 4.125%
HK$69,078
baseline
▲ 0.50% · 4.625%
HK$73,281
+HK$4,203/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,156/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,314
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,253
−HK$1,968/mo
Today · 4.125%
HK$76,221
baseline
▲ 0.50% · 4.625%
HK$80,238
+HK$4,017/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,442/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,835
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,194
−HK$2,397/mo
Today · 4.125%
HK$80,591
baseline
▲ 0.50% · 4.625%
HK$85,495
+HK$4,904/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,182/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,366
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,629
−HK$2,295/mo
Today · 4.125%
HK$88,924
baseline
▲ 0.50% · 4.625%
HK$93,611
+HK$4,687/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,848/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,503
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,535
−HK$3,082/mo
Today · 4.125%
HK$103,617
baseline
▲ 0.50% · 4.625%
HK$109,922
+HK$6,305/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,234/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,471
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,380
−HK$2,951/mo
Today · 4.125%
HK$114,331
baseline
▲ 0.50% · 4.625%
HK$120,358
+HK$6,027/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,662/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,599 · Scale 2, in force from 26 Feb 2026)