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$54,170
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,855
−HK$1,712/mo
Today · 4.125%
HK$57,567
baseline
▲ 0.50% · 4.625%
HK$61,070
+HK$3,503/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,134/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,263
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,880
−HK$1,639/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$1,009,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,004
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,026
−HK$2,054/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$1,009,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,316
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,255
−HK$1,968/mo
Today · 4.125%
HK$76,223
baseline
▲ 0.50% · 4.625%
HK$80,241
+HK$4,018/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,446/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,838
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,197
−HK$2,396/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$1,009,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,369
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,631
−HK$2,296/mo
Today · 4.125%
HK$88,927
baseline
▲ 0.50% · 4.625%
HK$93,614
+HK$4,687/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,854/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,506
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,539
−HK$3,081/mo
Today · 4.125%
HK$103,620
baseline
▲ 0.50% · 4.625%
HK$109,925
+HK$6,305/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,240/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,474
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,383
−HK$2,952/mo
Today · 4.125%
HK$114,335
baseline
▲ 0.50% · 4.625%
HK$120,361
+HK$6,026/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,670/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,631 · Scale 2, in force from 26 Feb 2026)