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$54,232
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,919
−HK$1,714/mo
Today · 4.125%
HK$57,633
baseline
▲ 0.50% · 4.625%
HK$61,140
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,266/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,333
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,951
−HK$1,641/mo
Today · 4.125%
HK$63,592
baseline
▲ 0.50% · 4.625%
HK$66,944
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,184/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,079
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,103
−HK$2,057/mo
Today · 4.125%
HK$69,160
baseline
▲ 0.50% · 4.625%
HK$73,368
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,320/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,399
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,341
−HK$1,970/mo
Today · 4.125%
HK$76,311
baseline
▲ 0.50% · 4.625%
HK$80,333
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,622/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,925
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,287
−HK$2,399/mo
Today · 4.125%
HK$80,686
baseline
▲ 0.50% · 4.625%
HK$85,596
+HK$4,910/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,372/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,466
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,731
−HK$2,298/mo
Today · 4.125%
HK$89,029
baseline
▲ 0.50% · 4.625%
HK$93,722
+HK$4,693/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,058/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,618
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,654
−HK$3,085/mo
Today · 4.125%
HK$103,739
baseline
▲ 0.50% · 4.625%
HK$110,052
+HK$6,313/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,478/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,599
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,512
−HK$2,954/mo
Today · 4.125%
HK$114,466
baseline
▲ 0.50% · 4.625%
HK$120,500
+HK$6,034/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,932/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,794 · Scale 2, in force from 26 Feb 2026)