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$54,294
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,982
−HK$1,716/mo
Today · 4.125%
HK$57,698
baseline
▲ 0.50% · 4.625%
HK$61,209
+HK$3,511/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,396/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,401
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,021
−HK$1,643/mo
Today · 4.125%
HK$63,664
baseline
▲ 0.50% · 4.625%
HK$67,020
+HK$3,356/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,328/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,011,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,152
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,179
−HK$2,059/mo
Today · 4.125%
HK$69,238
baseline
▲ 0.50% · 4.625%
HK$73,451
+HK$4,213/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$138,476/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,481
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,425
−HK$1,972/mo
Today · 4.125%
HK$76,397
baseline
▲ 0.50% · 4.625%
HK$80,424
+HK$4,027/mo
Deposit HK$9.52M · loan HK$14.29M · min. income ≈ HK$152,794/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,011,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,011
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,375
−HK$2,403/mo
Today · 4.125%
HK$80,778
baseline
▲ 0.50% · 4.625%
HK$85,693
+HK$4,915/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,556/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,011,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,561
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,829
−HK$2,301/mo
Today · 4.125%
HK$89,130
baseline
▲ 0.50% · 4.625%
HK$93,828
+HK$4,698/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,260/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,011,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,728
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,768
−HK$3,089/mo
Today · 4.125%
HK$103,857
baseline
▲ 0.50% · 4.625%
HK$110,176
+HK$6,319/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,714/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,722
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,638
−HK$2,958/mo
Today · 4.125%
HK$114,596
baseline
▲ 0.50% · 4.625%
HK$120,636
+HK$6,040/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,192/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,938 · Scale 2, in force from 26 Feb 2026)