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$54,049
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,731
−HK$1,708/mo
Today · 4.125%
HK$57,439
baseline
▲ 0.50% · 4.625%
HK$60,934
+HK$3,495/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,878/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,129
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,742
−HK$1,636/mo
Today · 4.125%
HK$63,378
baseline
▲ 0.50% · 4.625%
HK$66,719
+HK$3,341/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,756/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,859
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,877
−HK$2,049/mo
Today · 4.125%
HK$68,926
baseline
▲ 0.50% · 4.625%
HK$73,120
+HK$4,194/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,852/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,155
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,090
−HK$1,963/mo
Today · 4.125%
HK$76,053
baseline
▲ 0.50% · 4.625%
HK$80,062
+HK$4,009/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,106/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,669
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,023
−HK$2,391/mo
Today · 4.125%
HK$80,414
baseline
▲ 0.50% · 4.625%
HK$85,307
+HK$4,893/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,828/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,181
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,439
−HK$2,290/mo
Today · 4.125%
HK$88,729
baseline
▲ 0.50% · 4.625%
HK$93,406
+HK$4,677/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,458/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,289
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,315
−HK$3,075/mo
Today · 4.125%
HK$103,390
baseline
▲ 0.50% · 4.625%
HK$109,681
+HK$6,291/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,780/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,233
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,135
−HK$2,945/mo
Today · 4.125%
HK$114,080
baseline
▲ 0.50% · 4.625%
HK$120,094
+HK$6,014/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,160/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,385 · Scale 2, in force from 26 Feb 2026)