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$54,120
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,803
−HK$1,711/mo
Today · 4.125%
HK$57,514
baseline
▲ 0.50% · 4.625%
HK$61,013
+HK$3,499/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,028/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,208
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,823
−HK$1,638/mo
Today · 4.125%
HK$63,461
baseline
▲ 0.50% · 4.625%
HK$66,806
+HK$3,345/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,922/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,944
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,964
−HK$2,052/mo
Today · 4.125%
HK$69,016
baseline
▲ 0.50% · 4.625%
HK$73,216
+HK$4,200/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,032/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,249
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,187
−HK$1,966/mo
Today · 4.125%
HK$76,153
baseline
▲ 0.50% · 4.625%
HK$80,167
+HK$4,014/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,306/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,768
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,125
−HK$2,394/mo
Today · 4.125%
HK$80,519
baseline
▲ 0.50% · 4.625%
HK$85,419
+HK$4,900/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$161,038/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,291
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,552
−HK$2,293/mo
Today · 4.125%
HK$88,845
baseline
▲ 0.50% · 4.625%
HK$93,528
+HK$4,683/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,690/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,416
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,446
−HK$3,079/mo
Today · 4.125%
HK$103,525
baseline
▲ 0.50% · 4.625%
HK$109,824
+HK$6,299/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,050/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,374
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,281
−HK$2,948/mo
Today · 4.125%
HK$114,229
baseline
▲ 0.50% · 4.625%
HK$120,250
+HK$6,021/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,458/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,700 · Scale 2, in force from 26 Feb 2026)