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$53,926
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,604
−HK$1,704/mo
Today · 4.125%
HK$57,308
baseline
▲ 0.50% · 4.625%
HK$60,795
+HK$3,487/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,616/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,992
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,601
−HK$1,633/mo
Today · 4.125%
HK$63,234
baseline
▲ 0.50% · 4.625%
HK$66,567
+HK$3,333/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,468/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,711
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,724
−HK$2,045/mo
Today · 4.125%
HK$68,769
baseline
▲ 0.50% · 4.625%
HK$72,954
+HK$4,185/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,538/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,991
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,922
−HK$1,958/mo
Today · 4.125%
HK$75,880
baseline
▲ 0.50% · 4.625%
HK$79,880
+HK$4,000/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,760/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,497
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,845
−HK$2,386/mo
Today · 4.125%
HK$80,231
baseline
▲ 0.50% · 4.625%
HK$85,113
+HK$4,882/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,462/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,989
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,242
−HK$2,285/mo
Today · 4.125%
HK$88,527
baseline
▲ 0.50% · 4.625%
HK$93,193
+HK$4,666/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,054/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,067
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,086
−HK$3,068/mo
Today · 4.125%
HK$103,154
baseline
▲ 0.50% · 4.625%
HK$109,431
+HK$6,277/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,308/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,986
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,882
−HK$2,938/mo
Today · 4.125%
HK$113,820
baseline
▲ 0.50% · 4.625%
HK$119,820
+HK$6,000/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,640/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,091 · Scale 2, in force from 26 Feb 2026)