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$54,078
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,760
−HK$1,709/mo
Today · 4.125%
HK$57,469
baseline
▲ 0.50% · 4.625%
HK$60,966
+HK$3,497/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,938/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,007,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,161
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,774
−HK$1,637/mo
Today · 4.125%
HK$63,411
baseline
▲ 0.50% · 4.625%
HK$66,754
+HK$3,343/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,822/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,007,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,893
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,912
−HK$2,050/mo
Today · 4.125%
HK$68,962
baseline
▲ 0.50% · 4.625%
HK$73,159
+HK$4,197/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,924/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,193
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,129
−HK$1,964/mo
Today · 4.125%
HK$76,093
baseline
▲ 0.50% · 4.625%
HK$80,104
+HK$4,011/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,186/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,709
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,064
−HK$2,392/mo
Today · 4.125%
HK$80,456
baseline
▲ 0.50% · 4.625%
HK$85,352
+HK$4,896/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,912/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,225
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,484
−HK$2,291/mo
Today · 4.125%
HK$88,775
baseline
▲ 0.50% · 4.625%
HK$93,455
+HK$4,680/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,550/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,340
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,367
−HK$3,077/mo
Today · 4.125%
HK$103,444
baseline
▲ 0.50% · 4.625%
HK$109,738
+HK$6,294/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,888/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,289
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,194
−HK$2,946/mo
Today · 4.125%
HK$114,140
baseline
▲ 0.50% · 4.625%
HK$120,156
+HK$6,016/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,280/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,912 · Scale 2, in force from 26 Feb 2026)