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$54,128
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,812
−HK$1,710/mo
Today · 4.125%
HK$57,522
baseline
▲ 0.50% · 4.625%
HK$61,022
+HK$3,500/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,044/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,217
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,832
−HK$1,638/mo
Today · 4.125%
HK$63,470
baseline
▲ 0.50% · 4.625%
HK$66,816
+HK$3,346/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,940/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,953
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,974
−HK$2,053/mo
Today · 4.125%
HK$69,027
baseline
▲ 0.50% · 4.625%
HK$73,227
+HK$4,200/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$138,054/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,260
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,198
−HK$1,966/mo
Today · 4.125%
HK$76,164
baseline
▲ 0.50% · 4.625%
HK$80,179
+HK$4,015/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$152,328/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,779
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,136
−HK$2,395/mo
Today · 4.125%
HK$80,531
baseline
▲ 0.50% · 4.625%
HK$85,431
+HK$4,900/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,062/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,303
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,564
−HK$2,294/mo
Today · 4.125%
HK$88,858
baseline
▲ 0.50% · 4.625%
HK$93,542
+HK$4,684/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,716/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,430
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,461
−HK$3,079/mo
Today · 4.125%
HK$103,540
baseline
▲ 0.50% · 4.625%
HK$109,840
+HK$6,300/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,080/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,390
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,297
−HK$2,949/mo
Today · 4.125%
HK$114,246
baseline
▲ 0.50% · 4.625%
HK$120,268
+HK$6,022/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,492/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,849 · Scale 2, in force from 26 Feb 2026)