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$54,148
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,833
−HK$1,711/mo
Today · 4.125%
HK$57,544
baseline
▲ 0.50% · 4.625%
HK$61,045
+HK$3,501/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,088/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,239
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,855
−HK$1,639/mo
Today · 4.125%
HK$63,494
baseline
▲ 0.50% · 4.625%
HK$66,841
+HK$3,347/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,988/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,009,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,978
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$66,999
−HK$2,054/mo
Today · 4.125%
HK$69,053
baseline
▲ 0.50% · 4.625%
HK$73,254
+HK$4,201/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,106/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,287
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,226
−HK$1,967/mo
Today · 4.125%
HK$76,193
baseline
▲ 0.50% · 4.625%
HK$80,209
+HK$4,016/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,386/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,808
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,166
−HK$2,395/mo
Today · 4.125%
HK$80,561
baseline
▲ 0.50% · 4.625%
HK$85,463
+HK$4,902/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,122/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,335
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,597
−HK$2,295/mo
Today · 4.125%
HK$88,892
baseline
▲ 0.50% · 4.625%
HK$93,577
+HK$4,685/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,784/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,009,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,467
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,499
−HK$3,080/mo
Today · 4.125%
HK$103,579
baseline
▲ 0.50% · 4.625%
HK$109,881
+HK$6,302/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$207,158/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,431
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,339
−HK$2,950/mo
Today · 4.125%
HK$114,289
baseline
▲ 0.50% · 4.625%
HK$120,313
+HK$6,024/mo
Deposit HK$2.37M · loan HK$21.37M · min. income ≈ HK$228,578/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,230 · Scale 2, in force from 26 Feb 2026)