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$53,950
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,628
−HK$1,705/mo
Today · 4.125%
HK$57,333
baseline
▲ 0.50% · 4.625%
HK$60,821
+HK$3,488/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,666/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,019
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,628
−HK$1,633/mo
Today · 4.125%
HK$63,261
baseline
▲ 0.50% · 4.625%
HK$66,596
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,522/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,740
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,753
−HK$2,046/mo
Today · 4.125%
HK$68,799
baseline
▲ 0.50% · 4.625%
HK$72,986
+HK$4,187/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$137,598/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,022
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,954
−HK$1,959/mo
Today · 4.125%
HK$75,913
baseline
▲ 0.50% · 4.625%
HK$79,915
+HK$4,002/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$151,826/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,530
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,879
−HK$2,387/mo
Today · 4.125%
HK$80,266
baseline
▲ 0.50% · 4.625%
HK$85,150
+HK$4,884/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,532/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,026
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,280
−HK$2,286/mo
Today · 4.125%
HK$88,566
baseline
▲ 0.50% · 4.625%
HK$93,234
+HK$4,668/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,132/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,110
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,130
−HK$3,069/mo
Today · 4.125%
HK$103,199
baseline
▲ 0.50% · 4.625%
HK$109,479
+HK$6,280/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,398/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,033
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,931
−HK$2,939/mo
Today · 4.125%
HK$113,870
baseline
▲ 0.50% · 4.625%
HK$119,872
+HK$6,002/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,740/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,530 · Scale 2, in force from 26 Feb 2026)