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$54,159
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,843
−HK$1,712/mo
Today · 4.125%
HK$57,555
baseline
▲ 0.50% · 4.625%
HK$61,057
+HK$3,502/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,110/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,251
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,867
−HK$1,639/mo
Today · 4.125%
HK$63,506
baseline
▲ 0.50% · 4.625%
HK$66,854
+HK$3,348/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,012/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,991
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,012
−HK$2,054/mo
Today · 4.125%
HK$69,066
baseline
▲ 0.50% · 4.625%
HK$73,268
+HK$4,202/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,132/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,301
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,240
−HK$1,968/mo
Today · 4.125%
HK$76,208
baseline
▲ 0.50% · 4.625%
HK$80,225
+HK$4,017/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,416/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,822
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,181
−HK$2,396/mo
Today · 4.125%
HK$80,577
baseline
▲ 0.50% · 4.625%
HK$85,480
+HK$4,903/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,154/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,352
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,614
−HK$2,295/mo
Today · 4.125%
HK$88,909
baseline
▲ 0.50% · 4.625%
HK$93,595
+HK$4,686/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,818/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,486
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,518
−HK$3,081/mo
Today · 4.125%
HK$103,599
baseline
▲ 0.50% · 4.625%
HK$109,903
+HK$6,304/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,198/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,452
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,361
−HK$2,950/mo
Today · 4.125%
HK$114,311
baseline
▲ 0.50% · 4.625%
HK$120,337
+HK$6,026/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,622/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,425 · Scale 2, in force from 26 Feb 2026)