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$54,240
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,927
−HK$1,714/mo
Today · 4.125%
HK$57,641
baseline
▲ 0.50% · 4.625%
HK$61,148
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,282/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,341
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,960
−HK$1,641/mo
Today · 4.125%
HK$63,601
baseline
▲ 0.50% · 4.625%
HK$66,954
+HK$3,353/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,202/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,088
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,112
−HK$2,057/mo
Today · 4.125%
HK$69,169
baseline
▲ 0.50% · 4.625%
HK$73,378
+HK$4,209/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,338/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,010,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,409
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,351
−HK$1,971/mo
Today · 4.125%
HK$76,322
baseline
▲ 0.50% · 4.625%
HK$80,345
+HK$4,023/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,644/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,010,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,936
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,298
−HK$2,400/mo
Today · 4.125%
HK$80,698
baseline
▲ 0.50% · 4.625%
HK$85,608
+HK$4,910/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,396/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,478
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,743
−HK$2,299/mo
Today · 4.125%
HK$89,042
baseline
▲ 0.50% · 4.625%
HK$93,735
+HK$4,693/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,084/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,632
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,668
−HK$3,086/mo
Today · 4.125%
HK$103,754
baseline
▲ 0.50% · 4.625%
HK$110,067
+HK$6,313/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,508/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,614
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,527
−HK$2,955/mo
Today · 4.125%
HK$114,482
baseline
▲ 0.50% · 4.625%
HK$120,517
+HK$6,035/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,964/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,935 · Scale 2, in force from 26 Feb 2026)