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$54,103
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,786
−HK$1,710/mo
Today · 4.125%
HK$57,496
baseline
▲ 0.50% · 4.625%
HK$60,995
+HK$3,499/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,992/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,190
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,804
−HK$1,637/mo
Today · 4.125%
HK$63,441
baseline
▲ 0.50% · 4.625%
HK$66,785
+HK$3,344/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,882/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,924
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,944
−HK$2,051/mo
Today · 4.125%
HK$68,995
baseline
▲ 0.50% · 4.625%
HK$73,194
+HK$4,199/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$137,990/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,227
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,165
−HK$1,965/mo
Today · 4.125%
HK$76,130
baseline
▲ 0.50% · 4.625%
HK$80,143
+HK$4,013/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,260/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,745
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,101
−HK$2,394/mo
Today · 4.125%
HK$80,495
baseline
▲ 0.50% · 4.625%
HK$85,393
+HK$4,898/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$160,990/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,265
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,525
−HK$2,293/mo
Today · 4.125%
HK$88,818
baseline
▲ 0.50% · 4.625%
HK$93,500
+HK$4,682/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,636/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,386
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,415
−HK$3,078/mo
Today · 4.125%
HK$103,493
baseline
▲ 0.50% · 4.625%
HK$109,790
+HK$6,297/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,986/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,341
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,247
−HK$2,947/mo
Today · 4.125%
HK$114,194
baseline
▲ 0.50% · 4.625%
HK$120,214
+HK$6,020/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,388/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,394 · Scale 2, in force from 26 Feb 2026)