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$53,880
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,556
−HK$1,703/mo
Today · 4.125%
HK$57,259
baseline
▲ 0.50% · 4.625%
HK$60,743
+HK$3,484/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,518/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,941
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,548
−HK$1,631/mo
Today · 4.125%
HK$63,179
baseline
▲ 0.50% · 4.625%
HK$66,509
+HK$3,330/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,358/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,656
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,667
−HK$2,043/mo
Today · 4.125%
HK$68,710
baseline
▲ 0.50% · 4.625%
HK$72,891
+HK$4,181/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,420/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,929
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,858
−HK$1,957/mo
Today · 4.125%
HK$75,815
baseline
▲ 0.50% · 4.625%
HK$79,811
+HK$3,996/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,630/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,432
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,778
−HK$2,384/mo
Today · 4.125%
HK$80,162
baseline
▲ 0.50% · 4.625%
HK$85,040
+HK$4,878/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,324/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,917
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,168
−HK$2,283/mo
Today · 4.125%
HK$88,451
baseline
▲ 0.50% · 4.625%
HK$93,113
+HK$4,662/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,902/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,984
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$100,000
−HK$3,065/mo
Today · 4.125%
HK$103,065
baseline
▲ 0.50% · 4.625%
HK$109,337
+HK$6,272/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,130/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,893
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,787
−HK$2,936/mo
Today · 4.125%
HK$113,723
baseline
▲ 0.50% · 4.625%
HK$119,717
+HK$5,994/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,446/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,226 · Scale 2, in force from 26 Feb 2026)