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$54,100
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,783
−HK$1,710/mo
Today · 4.125%
HK$57,493
baseline
▲ 0.50% · 4.625%
HK$60,991
+HK$3,498/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,986/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,186
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,800
−HK$1,638/mo
Today · 4.125%
HK$63,438
baseline
▲ 0.50% · 4.625%
HK$66,782
+HK$3,344/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,876/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,920
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,940
−HK$2,052/mo
Today · 4.125%
HK$68,992
baseline
▲ 0.50% · 4.625%
HK$73,189
+HK$4,197/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$137,984/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,223
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,160
−HK$1,965/mo
Today · 4.125%
HK$76,125
baseline
▲ 0.50% · 4.625%
HK$80,138
+HK$4,013/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,250/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,740
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,096
−HK$2,394/mo
Today · 4.125%
HK$80,490
baseline
▲ 0.50% · 4.625%
HK$85,388
+HK$4,898/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$160,980/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,261
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,520
−HK$2,293/mo
Today · 4.125%
HK$88,813
baseline
▲ 0.50% · 4.625%
HK$93,494
+HK$4,681/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,626/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,381
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,410
−HK$3,077/mo
Today · 4.125%
HK$103,487
baseline
▲ 0.50% · 4.625%
HK$109,784
+HK$6,297/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,974/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,335
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,240
−HK$2,948/mo
Today · 4.125%
HK$114,188
baseline
▲ 0.50% · 4.625%
HK$120,207
+HK$6,019/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,376/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,337 · Scale 2, in force from 26 Feb 2026)