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$54,134
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,818
−HK$1,711/mo
Today · 4.125%
HK$57,529
baseline
▲ 0.50% · 4.625%
HK$61,029
+HK$3,500/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,058/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,224
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,839
−HK$1,638/mo
Today · 4.125%
HK$63,477
baseline
▲ 0.50% · 4.625%
HK$66,823
+HK$3,346/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,954/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,961
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,982
−HK$2,053/mo
Today · 4.125%
HK$69,035
baseline
▲ 0.50% · 4.625%
HK$73,235
+HK$4,200/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$138,070/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,008,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,268
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,207
−HK$1,966/mo
Today · 4.125%
HK$76,173
baseline
▲ 0.50% · 4.625%
HK$80,188
+HK$4,015/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$152,346/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,008,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,788
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,145
−HK$2,395/mo
Today · 4.125%
HK$80,540
baseline
▲ 0.50% · 4.625%
HK$85,441
+HK$4,901/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,080/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,313
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,574
−HK$2,294/mo
Today · 4.125%
HK$88,868
baseline
▲ 0.50% · 4.625%
HK$93,553
+HK$4,685/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,736/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,441
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,472
−HK$3,080/mo
Today · 4.125%
HK$103,552
baseline
▲ 0.50% · 4.625%
HK$109,853
+HK$6,301/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,104/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,403
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,310
−HK$2,949/mo
Today · 4.125%
HK$114,259
baseline
▲ 0.50% · 4.625%
HK$120,282
+HK$6,023/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,518/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,966 · Scale 2, in force from 26 Feb 2026)