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$54,186
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,871
−HK$1,713/mo
Today · 4.125%
HK$57,584
baseline
▲ 0.50% · 4.625%
HK$61,088
+HK$3,504/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,168/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,281
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,898
−HK$1,640/mo
Today · 4.125%
HK$63,538
baseline
▲ 0.50% · 4.625%
HK$66,887
+HK$3,349/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,076/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,023
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,046
−HK$2,055/mo
Today · 4.125%
HK$69,101
baseline
▲ 0.50% · 4.625%
HK$73,305
+HK$4,204/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,202/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,009,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,338
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,278
−HK$1,968/mo
Today · 4.125%
HK$76,246
baseline
▲ 0.50% · 4.625%
HK$80,265
+HK$4,019/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,492/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,009,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,860
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,220
−HK$2,397/mo
Today · 4.125%
HK$80,617
baseline
▲ 0.50% · 4.625%
HK$85,523
+HK$4,906/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,234/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,394
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,657
−HK$2,296/mo
Today · 4.125%
HK$88,953
baseline
▲ 0.50% · 4.625%
HK$93,642
+HK$4,689/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,906/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,535
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,569
−HK$3,082/mo
Today · 4.125%
HK$103,651
baseline
▲ 0.50% · 4.625%
HK$109,958
+HK$6,307/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,302/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,506
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,416
−HK$2,953/mo
Today · 4.125%
HK$114,369
baseline
▲ 0.50% · 4.625%
HK$120,397
+HK$6,028/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,738/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,932 · Scale 2, in force from 26 Feb 2026)