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$54,171
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,856
−HK$1,712/mo
Today · 4.125%
HK$57,568
baseline
▲ 0.50% · 4.625%
HK$61,071
+HK$3,503/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,136/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,265
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,881
−HK$1,640/mo
Today · 4.125%
HK$63,521
baseline
▲ 0.50% · 4.625%
HK$66,869
+HK$3,348/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,042/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,006
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,028
−HK$2,054/mo
Today · 4.125%
HK$69,082
baseline
▲ 0.50% · 4.625%
HK$73,285
+HK$4,203/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,164/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,318
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,258
−HK$1,967/mo
Today · 4.125%
HK$76,225
baseline
▲ 0.50% · 4.625%
HK$80,243
+HK$4,018/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,450/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,840
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,199
−HK$2,397/mo
Today · 4.125%
HK$80,596
baseline
▲ 0.50% · 4.625%
HK$85,500
+HK$4,904/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,192/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,371
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,634
−HK$2,295/mo
Today · 4.125%
HK$88,929
baseline
▲ 0.50% · 4.625%
HK$93,617
+HK$4,688/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,858/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,508
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,541
−HK$3,082/mo
Today · 4.125%
HK$103,623
baseline
▲ 0.50% · 4.625%
HK$109,928
+HK$6,305/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,246/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,477
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,386
−HK$2,952/mo
Today · 4.125%
HK$114,338
baseline
▲ 0.50% · 4.625%
HK$120,365
+HK$6,027/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,676/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,659 · Scale 2, in force from 26 Feb 2026)