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$54,205
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,891
−HK$1,713/mo
Today · 4.125%
HK$57,604
baseline
▲ 0.50% · 4.625%
HK$61,109
+HK$3,505/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,208/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,303
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,920
−HK$1,640/mo
Today · 4.125%
HK$63,560
baseline
▲ 0.50% · 4.625%
HK$66,911
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,120/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,046
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,069
−HK$2,056/mo
Today · 4.125%
HK$69,125
baseline
▲ 0.50% · 4.625%
HK$73,331
+HK$4,206/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,250/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,363
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,304
−HK$1,969/mo
Today · 4.125%
HK$76,273
baseline
▲ 0.50% · 4.625%
HK$80,293
+HK$4,020/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,546/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,887
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,248
−HK$2,398/mo
Today · 4.125%
HK$80,646
baseline
▲ 0.50% · 4.625%
HK$85,553
+HK$4,907/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,292/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,424
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,688
−HK$2,297/mo
Today · 4.125%
HK$88,985
baseline
▲ 0.50% · 4.625%
HK$93,675
+HK$4,690/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,970/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,569
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,604
−HK$3,083/mo
Today · 4.125%
HK$103,687
baseline
▲ 0.50% · 4.625%
HK$109,997
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,374/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,545
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,456
−HK$2,953/mo
Today · 4.125%
HK$114,409
baseline
▲ 0.50% · 4.625%
HK$120,440
+HK$6,031/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,818/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,287 · Scale 2, in force from 26 Feb 2026)