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$54,208
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,894
−HK$1,714/mo
Today · 4.125%
HK$57,608
baseline
▲ 0.50% · 4.625%
HK$61,113
+HK$3,505/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,216/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,306
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,924
−HK$1,640/mo
Today · 4.125%
HK$63,564
baseline
▲ 0.50% · 4.625%
HK$66,915
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,128/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,050
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,073
−HK$2,056/mo
Today · 4.125%
HK$69,129
baseline
▲ 0.50% · 4.625%
HK$73,336
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,258/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,367
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,308
−HK$1,969/mo
Today · 4.125%
HK$76,277
baseline
▲ 0.50% · 4.625%
HK$80,298
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,554/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,892
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,252
−HK$2,399/mo
Today · 4.125%
HK$80,651
baseline
▲ 0.50% · 4.625%
HK$85,558
+HK$4,907/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,302/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,429
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,693
−HK$2,297/mo
Today · 4.125%
HK$88,990
baseline
▲ 0.50% · 4.625%
HK$93,681
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,980/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,575
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,610
−HK$3,084/mo
Today · 4.125%
HK$103,694
baseline
▲ 0.50% · 4.625%
HK$110,003
+HK$6,309/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,388/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,551
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,462
−HK$2,954/mo
Today · 4.125%
HK$114,416
baseline
▲ 0.50% · 4.625%
HK$120,447
+HK$6,031/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,832/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,349 · Scale 2, in force from 26 Feb 2026)