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$54,079
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,761
−HK$1,709/mo
Today · 4.125%
HK$57,470
baseline
▲ 0.50% · 4.625%
HK$60,967
+HK$3,497/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,940/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,007,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,162
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,776
−HK$1,637/mo
Today · 4.125%
HK$63,413
baseline
▲ 0.50% · 4.625%
HK$66,755
+HK$3,342/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,826/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,007,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,895
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,913
−HK$2,051/mo
Today · 4.125%
HK$68,964
baseline
▲ 0.50% · 4.625%
HK$73,161
+HK$4,197/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,928/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,195
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,131
−HK$1,964/mo
Today · 4.125%
HK$76,095
baseline
▲ 0.50% · 4.625%
HK$80,106
+HK$4,011/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,190/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,711
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,066
−HK$2,392/mo
Today · 4.125%
HK$80,458
baseline
▲ 0.50% · 4.625%
HK$85,354
+HK$4,896/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,916/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,227
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,486
−HK$2,292/mo
Today · 4.125%
HK$88,778
baseline
▲ 0.50% · 4.625%
HK$93,457
+HK$4,679/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,556/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,342
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,370
−HK$3,076/mo
Today · 4.125%
HK$103,446
baseline
▲ 0.50% · 4.625%
HK$109,741
+HK$6,295/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,892/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,292
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,196
−HK$2,947/mo
Today · 4.125%
HK$114,143
baseline
▲ 0.50% · 4.625%
HK$120,159
+HK$6,016/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,286/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,938 · Scale 2, in force from 26 Feb 2026)