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$54,169
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,854
−HK$1,712/mo
Today · 4.125%
HK$57,566
baseline
▲ 0.50% · 4.625%
HK$61,069
+HK$3,503/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,132/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,263
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,879
−HK$1,640/mo
Today · 4.125%
HK$63,519
baseline
▲ 0.50% · 4.625%
HK$66,867
+HK$3,348/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,038/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,003
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,025
−HK$2,055/mo
Today · 4.125%
HK$69,080
baseline
▲ 0.50% · 4.625%
HK$73,283
+HK$4,203/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,160/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,315
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,255
−HK$1,967/mo
Today · 4.125%
HK$76,222
baseline
▲ 0.50% · 4.625%
HK$80,240
+HK$4,018/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,444/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,837
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,196
−HK$2,397/mo
Today · 4.125%
HK$80,593
baseline
▲ 0.50% · 4.625%
HK$85,497
+HK$4,904/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,186/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,368
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,631
−HK$2,295/mo
Today · 4.125%
HK$88,926
baseline
▲ 0.50% · 4.625%
HK$93,614
+HK$4,688/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,852/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,505
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,538
−HK$3,081/mo
Today · 4.125%
HK$103,619
baseline
▲ 0.50% · 4.625%
HK$109,924
+HK$6,305/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,238/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,473
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,382
−HK$2,952/mo
Today · 4.125%
HK$114,334
baseline
▲ 0.50% · 4.625%
HK$120,360
+HK$6,026/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,668/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,623 · Scale 2, in force from 26 Feb 2026)