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$54,175
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,860
−HK$1,712/mo
Today · 4.125%
HK$57,572
baseline
▲ 0.50% · 4.625%
HK$61,075
+HK$3,503/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,144/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,269
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,885
−HK$1,640/mo
Today · 4.125%
HK$63,525
baseline
▲ 0.50% · 4.625%
HK$66,874
+HK$3,349/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,050/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,010
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,032
−HK$2,054/mo
Today · 4.125%
HK$69,086
baseline
▲ 0.50% · 4.625%
HK$73,290
+HK$4,204/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,172/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,323
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,262
−HK$1,968/mo
Today · 4.125%
HK$76,230
baseline
▲ 0.50% · 4.625%
HK$80,248
+HK$4,018/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,460/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,845
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,204
−HK$2,397/mo
Today · 4.125%
HK$80,601
baseline
▲ 0.50% · 4.625%
HK$85,505
+HK$4,904/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,202/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,376
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,639
−HK$2,296/mo
Today · 4.125%
HK$88,935
baseline
▲ 0.50% · 4.625%
HK$93,623
+HK$4,688/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,870/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,515
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,548
−HK$3,082/mo
Today · 4.125%
HK$103,630
baseline
▲ 0.50% · 4.625%
HK$109,935
+HK$6,305/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,260/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,484
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,393
−HK$2,952/mo
Today · 4.125%
HK$114,345
baseline
▲ 0.50% · 4.625%
HK$120,372
+HK$6,027/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,690/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,723 · Scale 2, in force from 26 Feb 2026)