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$54,137
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,821
−HK$1,711/mo
Today · 4.125%
HK$57,532
baseline
▲ 0.50% · 4.625%
HK$61,033
+HK$3,501/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,064/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,227
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,842
−HK$1,639/mo
Today · 4.125%
HK$63,481
baseline
▲ 0.50% · 4.625%
HK$66,827
+HK$3,346/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,962/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,965
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,986
−HK$2,053/mo
Today · 4.125%
HK$69,039
baseline
▲ 0.50% · 4.625%
HK$73,239
+HK$4,200/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,078/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,273
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,211
−HK$1,966/mo
Today · 4.125%
HK$76,177
baseline
▲ 0.50% · 4.625%
HK$80,193
+HK$4,016/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,354/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,792
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,150
−HK$2,395/mo
Today · 4.125%
HK$80,545
baseline
▲ 0.50% · 4.625%
HK$85,446
+HK$4,901/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,090/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,318
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,579
−HK$2,294/mo
Today · 4.125%
HK$88,873
baseline
▲ 0.50% · 4.625%
HK$93,558
+HK$4,685/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,746/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,447
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,478
−HK$3,080/mo
Today · 4.125%
HK$103,558
baseline
▲ 0.50% · 4.625%
HK$109,859
+HK$6,301/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,116/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,409
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,316
−HK$2,950/mo
Today · 4.125%
HK$114,266
baseline
▲ 0.50% · 4.625%
HK$120,289
+HK$6,023/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,532/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,025 · Scale 2, in force from 26 Feb 2026)