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$53,966
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,645
−HK$1,706/mo
Today · 4.125%
HK$57,351
baseline
▲ 0.50% · 4.625%
HK$60,840
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,702/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,037
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,647
−HK$1,634/mo
Today · 4.125%
HK$63,281
baseline
▲ 0.50% · 4.625%
HK$66,616
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,562/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,760
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,774
−HK$2,047/mo
Today · 4.125%
HK$68,821
baseline
▲ 0.50% · 4.625%
HK$73,008
+HK$4,187/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,642/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,045
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,977
−HK$1,960/mo
Today · 4.125%
HK$75,937
baseline
▲ 0.50% · 4.625%
HK$79,940
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,874/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,553
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,903
−HK$2,388/mo
Today · 4.125%
HK$80,291
baseline
▲ 0.50% · 4.625%
HK$85,176
+HK$4,885/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,582/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,052
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,306
−HK$2,287/mo
Today · 4.125%
HK$88,593
baseline
▲ 0.50% · 4.625%
HK$93,263
+HK$4,670/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,186/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,140
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,161
−HK$3,070/mo
Today · 4.125%
HK$103,231
baseline
▲ 0.50% · 4.625%
HK$109,512
+HK$6,281/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,462/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,067
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,965
−HK$2,940/mo
Today · 4.125%
HK$113,905
baseline
▲ 0.50% · 4.625%
HK$119,909
+HK$6,004/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,810/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,841 · Scale 2, in force from 26 Feb 2026)