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$54,150
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,834
−HK$1,712/mo
Today · 4.125%
HK$57,546
baseline
▲ 0.50% · 4.625%
HK$61,047
+HK$3,501/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,092/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,241
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,857
−HK$1,639/mo
Today · 4.125%
HK$63,496
baseline
▲ 0.50% · 4.625%
HK$66,843
+HK$3,347/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,992/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,980
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,001
−HK$2,054/mo
Today · 4.125%
HK$69,055
baseline
▲ 0.50% · 4.625%
HK$73,257
+HK$4,202/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,110/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,290
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,228
−HK$1,967/mo
Today · 4.125%
HK$76,195
baseline
▲ 0.50% · 4.625%
HK$80,212
+HK$4,017/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,390/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,810
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,168
−HK$2,396/mo
Today · 4.125%
HK$80,564
baseline
▲ 0.50% · 4.625%
HK$85,466
+HK$4,902/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,128/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,338
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,600
−HK$2,294/mo
Today · 4.125%
HK$88,894
baseline
▲ 0.50% · 4.625%
HK$93,580
+HK$4,686/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,788/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,470
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,502
−HK$3,080/mo
Today · 4.125%
HK$103,582
baseline
▲ 0.50% · 4.625%
HK$109,885
+HK$6,303/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,164/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,434
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,343
−HK$2,950/mo
Today · 4.125%
HK$114,293
baseline
▲ 0.50% · 4.625%
HK$120,317
+HK$6,024/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,586/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,262 · Scale 2, in force from 26 Feb 2026)