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$54,212
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,899
−HK$1,713/mo
Today · 4.125%
HK$57,612
baseline
▲ 0.50% · 4.625%
HK$61,117
+HK$3,505/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,224/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,311
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,928
−HK$1,641/mo
Today · 4.125%
HK$63,569
baseline
▲ 0.50% · 4.625%
HK$66,920
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,138/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,055
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,078
−HK$2,056/mo
Today · 4.125%
HK$69,134
baseline
▲ 0.50% · 4.625%
HK$73,341
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,268/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,373
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,314
−HK$1,969/mo
Today · 4.125%
HK$76,283
baseline
▲ 0.50% · 4.625%
HK$80,304
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,566/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,897
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,258
−HK$2,399/mo
Today · 4.125%
HK$80,657
baseline
▲ 0.50% · 4.625%
HK$85,564
+HK$4,907/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,314/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,435
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,699
−HK$2,298/mo
Today · 4.125%
HK$88,997
baseline
▲ 0.50% · 4.625%
HK$93,688
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,994/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,582
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,617
−HK$3,084/mo
Today · 4.125%
HK$103,701
baseline
▲ 0.50% · 4.625%
HK$110,011
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,402/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,559
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,471
−HK$2,953/mo
Today · 4.125%
HK$114,424
baseline
▲ 0.50% · 4.625%
HK$120,456
+HK$6,032/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,848/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,422 · Scale 2, in force from 26 Feb 2026)