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$54,228
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,915
−HK$1,713/mo
Today · 4.125%
HK$57,628
baseline
▲ 0.50% · 4.625%
HK$61,135
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,256/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,328
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,946
−HK$1,641/mo
Today · 4.125%
HK$63,587
baseline
▲ 0.50% · 4.625%
HK$66,939
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,174/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,073
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,097
−HK$2,057/mo
Today · 4.125%
HK$69,154
baseline
▲ 0.50% · 4.625%
HK$73,362
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,308/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,393
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,335
−HK$1,970/mo
Today · 4.125%
HK$76,305
baseline
▲ 0.50% · 4.625%
HK$80,327
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,610/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,919
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,280
−HK$2,400/mo
Today · 4.125%
HK$80,680
baseline
▲ 0.50% · 4.625%
HK$85,589
+HK$4,909/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$161,360/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,459
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,724
−HK$2,298/mo
Today · 4.125%
HK$89,022
baseline
▲ 0.50% · 4.625%
HK$93,714
+HK$4,692/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$178,044/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,610
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,646
−HK$3,085/mo
Today · 4.125%
HK$103,731
baseline
▲ 0.50% · 4.625%
HK$110,043
+HK$6,312/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,462/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,590
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,502
−HK$2,955/mo
Today · 4.125%
HK$114,457
baseline
▲ 0.50% · 4.625%
HK$120,490
+HK$6,033/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,914/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,710 · Scale 2, in force from 26 Feb 2026)