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$54,187
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,873
−HK$1,712/mo
Today · 4.125%
HK$57,585
baseline
▲ 0.50% · 4.625%
HK$61,089
+HK$3,504/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,170/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,283
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,900
−HK$1,640/mo
Today · 4.125%
HK$63,540
baseline
▲ 0.50% · 4.625%
HK$66,889
+HK$3,349/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,080/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,025
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,047
−HK$2,055/mo
Today · 4.125%
HK$69,102
baseline
▲ 0.50% · 4.625%
HK$73,307
+HK$4,205/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,204/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,009,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,339
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,279
−HK$1,969/mo
Today · 4.125%
HK$76,248
baseline
▲ 0.50% · 4.625%
HK$80,267
+HK$4,019/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,496/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,009,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,862
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,222
−HK$2,397/mo
Today · 4.125%
HK$80,619
baseline
▲ 0.50% · 4.625%
HK$85,525
+HK$4,906/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,238/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,396
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,659
−HK$2,297/mo
Today · 4.125%
HK$88,956
baseline
▲ 0.50% · 4.625%
HK$93,645
+HK$4,689/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,912/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,537
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,571
−HK$3,083/mo
Today · 4.125%
HK$103,654
baseline
▲ 0.50% · 4.625%
HK$109,961
+HK$6,307/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,308/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,509
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,419
−HK$2,952/mo
Today · 4.125%
HK$114,371
baseline
▲ 0.50% · 4.625%
HK$120,400
+HK$6,029/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,742/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,957 · Scale 2, in force from 26 Feb 2026)