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$3,396/mo
▼ 0.25% · 3.875%
HK$55,831
−HK$1,711/mo
Today · 4.125%
HK$57,542
baseline
▲ 0.50% · 4.625%
HK$61,043
+HK$3,501/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,084/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,237
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,853
−HK$1,639/mo
Today · 4.125%
HK$63,492
baseline
▲ 0.50% · 4.625%
HK$66,838
+HK$3,346/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,984/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,976
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,997
−HK$2,053/mo
Today · 4.125%
HK$69,050
baseline
▲ 0.50% · 4.625%
HK$73,252
+HK$4,202/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,100/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,285
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,223
−HK$1,967/mo
Today · 4.125%
HK$76,190
baseline
▲ 0.50% · 4.625%
HK$80,206
+HK$4,016/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,380/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,805
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,163
−HK$2,395/mo
Today · 4.125%
HK$80,558
baseline
▲ 0.50% · 4.625%
HK$85,460
+HK$4,902/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,116/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,332
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,594
−HK$2,294/mo
Today · 4.125%
HK$88,888
baseline
▲ 0.50% · 4.625%
HK$93,574
+HK$4,686/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,776/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,463
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,495
−HK$3,080/mo
Today · 4.125%
HK$103,575
baseline
▲ 0.50% · 4.625%
HK$109,878
+HK$6,303/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,150/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,427
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,335
−HK$2,950/mo
Today · 4.125%
HK$114,285
baseline
▲ 0.50% · 4.625%
HK$120,309
+HK$6,024/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,570/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,194 · Scale 2, in force from 26 Feb 2026)