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$53,893
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,569
−HK$1,704/mo
Today · 4.125%
HK$57,273
baseline
▲ 0.50% · 4.625%
HK$60,758
+HK$3,485/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,546/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,956
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,564
−HK$1,631/mo
Today · 4.125%
HK$63,195
baseline
▲ 0.50% · 4.625%
HK$66,526
+HK$3,331/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,390/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,672
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,683
−HK$2,044/mo
Today · 4.125%
HK$68,727
baseline
▲ 0.50% · 4.625%
HK$72,909
+HK$4,182/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,454/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,947
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,876
−HK$1,958/mo
Today · 4.125%
HK$75,834
baseline
▲ 0.50% · 4.625%
HK$79,831
+HK$3,997/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,668/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,450
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,797
−HK$2,385/mo
Today · 4.125%
HK$80,182
baseline
▲ 0.50% · 4.625%
HK$85,061
+HK$4,879/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,364/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,938
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,189
−HK$2,284/mo
Today · 4.125%
HK$88,473
baseline
▲ 0.50% · 4.625%
HK$93,136
+HK$4,663/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,946/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,008
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,025
−HK$3,066/mo
Today · 4.125%
HK$103,091
baseline
▲ 0.50% · 4.625%
HK$109,364
+HK$6,273/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,182/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,920
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,814
−HK$2,937/mo
Today · 4.125%
HK$113,751
baseline
▲ 0.50% · 4.625%
HK$119,746
+HK$5,995/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,502/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,474 · Scale 2, in force from 26 Feb 2026)