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$54,204
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,890
−HK$1,713/mo
Today · 4.125%
HK$57,603
baseline
▲ 0.50% · 4.625%
HK$61,108
+HK$3,505/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,206/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,301
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,919
−HK$1,640/mo
Today · 4.125%
HK$63,559
baseline
▲ 0.50% · 4.625%
HK$66,909
+HK$3,350/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,118/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,045
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,068
−HK$2,056/mo
Today · 4.125%
HK$69,124
baseline
▲ 0.50% · 4.625%
HK$73,330
+HK$4,206/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,248/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,362
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,302
−HK$1,969/mo
Today · 4.125%
HK$76,271
baseline
▲ 0.50% · 4.625%
HK$80,291
+HK$4,020/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,542/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,885
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,246
−HK$2,398/mo
Today · 4.125%
HK$80,644
baseline
▲ 0.50% · 4.625%
HK$85,551
+HK$4,907/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,288/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,422
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,686
−HK$2,297/mo
Today · 4.125%
HK$88,983
baseline
▲ 0.50% · 4.625%
HK$93,673
+HK$4,690/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,966/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,567
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,602
−HK$3,083/mo
Today · 4.125%
HK$103,685
baseline
▲ 0.50% · 4.625%
HK$109,994
+HK$6,309/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,370/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,542
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,453
−HK$2,954/mo
Today · 4.125%
HK$114,407
baseline
▲ 0.50% · 4.625%
HK$120,437
+HK$6,030/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,814/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,267 · Scale 2, in force from 26 Feb 2026)