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$54,145
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,829
−HK$1,711/mo
Today · 4.125%
HK$57,540
baseline
▲ 0.50% · 4.625%
HK$61,042
+HK$3,502/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,080/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,236
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,851
−HK$1,639/mo
Today · 4.125%
HK$63,490
baseline
▲ 0.50% · 4.625%
HK$66,837
+HK$3,347/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,980/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,974
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,995
−HK$2,053/mo
Today · 4.125%
HK$69,048
baseline
▲ 0.50% · 4.625%
HK$73,250
+HK$4,202/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,096/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,283
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,222
−HK$1,966/mo
Today · 4.125%
HK$76,188
baseline
▲ 0.50% · 4.625%
HK$80,204
+HK$4,016/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,376/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,803
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,161
−HK$2,396/mo
Today · 4.125%
HK$80,557
baseline
▲ 0.50% · 4.625%
HK$85,458
+HK$4,901/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,114/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,330
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,592
−HK$2,294/mo
Today · 4.125%
HK$88,886
baseline
▲ 0.50% · 4.625%
HK$93,572
+HK$4,686/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,772/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,461
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,493
−HK$3,080/mo
Today · 4.125%
HK$103,573
baseline
▲ 0.50% · 4.625%
HK$109,875
+HK$6,302/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,146/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,424
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,332
−HK$2,950/mo
Today · 4.125%
HK$114,282
baseline
▲ 0.50% · 4.625%
HK$120,306
+HK$6,024/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,564/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,169 · Scale 2, in force from 26 Feb 2026)