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$54,181
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,866
−HK$1,712/mo
Today · 4.125%
HK$57,578
baseline
▲ 0.50% · 4.625%
HK$61,082
+HK$3,504/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,156/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,275
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,892
−HK$1,640/mo
Today · 4.125%
HK$63,532
baseline
▲ 0.50% · 4.625%
HK$66,881
+HK$3,349/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,064/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,017
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,039
−HK$2,055/mo
Today · 4.125%
HK$69,094
baseline
▲ 0.50% · 4.625%
HK$73,298
+HK$4,204/mo
Deposit HK$9.50M · loan HK$14.26M · min. income ≈ HK$138,188/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,331
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,270
−HK$1,968/mo
Today · 4.125%
HK$76,238
baseline
▲ 0.50% · 4.625%
HK$80,257
+HK$4,019/mo
Deposit HK$9.50M · loan HK$14.26M · min. income ≈ HK$152,476/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,853
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,212
−HK$2,398/mo
Today · 4.125%
HK$80,610
baseline
▲ 0.50% · 4.625%
HK$85,515
+HK$4,905/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,220/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,386
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,649
−HK$2,296/mo
Today · 4.125%
HK$88,945
baseline
▲ 0.50% · 4.625%
HK$93,633
+HK$4,688/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,890/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,525
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,559
−HK$3,082/mo
Today · 4.125%
HK$103,641
baseline
▲ 0.50% · 4.625%
HK$109,947
+HK$6,306/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,282/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,496
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,406
−HK$2,952/mo
Today · 4.125%
HK$114,358
baseline
▲ 0.50% · 4.625%
HK$120,385
+HK$6,027/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,716/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,834 · Scale 2, in force from 26 Feb 2026)