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$54,146
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,830
−HK$1,711/mo
Today · 4.125%
HK$57,541
baseline
▲ 0.50% · 4.625%
HK$61,042
+HK$3,501/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,082/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,236
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,852
−HK$1,639/mo
Today · 4.125%
HK$63,491
baseline
▲ 0.50% · 4.625%
HK$66,838
+HK$3,347/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,982/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,975
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,996
−HK$2,053/mo
Today · 4.125%
HK$69,049
baseline
▲ 0.50% · 4.625%
HK$73,251
+HK$4,202/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,098/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,284
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,222
−HK$1,967/mo
Today · 4.125%
HK$76,189
baseline
▲ 0.50% · 4.625%
HK$80,205
+HK$4,016/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,378/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,804
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,162
−HK$2,395/mo
Today · 4.125%
HK$80,557
baseline
▲ 0.50% · 4.625%
HK$85,459
+HK$4,902/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,114/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,331
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,593
−HK$2,294/mo
Today · 4.125%
HK$88,887
baseline
▲ 0.50% · 4.625%
HK$93,573
+HK$4,686/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,774/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,462
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,494
−HK$3,080/mo
Today · 4.125%
HK$103,574
baseline
▲ 0.50% · 4.625%
HK$109,876
+HK$6,302/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,148/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,426
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,334
−HK$2,950/mo
Today · 4.125%
HK$114,284
baseline
▲ 0.50% · 4.625%
HK$120,308
+HK$6,024/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,568/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,180 · Scale 2, in force from 26 Feb 2026)