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$54,135
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,819
−HK$1,711/mo
Today · 4.125%
HK$57,530
baseline
▲ 0.50% · 4.625%
HK$61,031
+HK$3,501/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,060/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,225
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,840
−HK$1,639/mo
Today · 4.125%
HK$63,479
baseline
▲ 0.50% · 4.625%
HK$66,825
+HK$3,346/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,958/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,962
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,983
−HK$2,053/mo
Today · 4.125%
HK$69,036
baseline
▲ 0.50% · 4.625%
HK$73,237
+HK$4,201/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$138,072/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,008,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,270
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,208
−HK$1,967/mo
Today · 4.125%
HK$76,175
baseline
▲ 0.50% · 4.625%
HK$80,190
+HK$4,015/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$152,350/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,008,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,789
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,147
−HK$2,395/mo
Today · 4.125%
HK$80,542
baseline
▲ 0.50% · 4.625%
HK$85,443
+HK$4,901/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,084/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,315
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,576
−HK$2,294/mo
Today · 4.125%
HK$88,870
baseline
▲ 0.50% · 4.625%
HK$93,555
+HK$4,685/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,740/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,444
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,475
−HK$3,079/mo
Today · 4.125%
HK$103,554
baseline
▲ 0.50% · 4.625%
HK$109,855
+HK$6,301/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,108/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,405
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,312
−HK$2,950/mo
Today · 4.125%
HK$114,262
baseline
▲ 0.50% · 4.625%
HK$120,285
+HK$6,023/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,524/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,988 · Scale 2, in force from 26 Feb 2026)