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$54,125
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,809
−HK$1,710/mo
Today · 4.125%
HK$57,519
baseline
▲ 0.50% · 4.625%
HK$61,019
+HK$3,500/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,038/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,213
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,828
−HK$1,639/mo
Today · 4.125%
HK$63,467
baseline
▲ 0.50% · 4.625%
HK$66,812
+HK$3,345/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,934/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,950
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,970
−HK$2,053/mo
Today · 4.125%
HK$69,023
baseline
▲ 0.50% · 4.625%
HK$73,223
+HK$4,200/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,046/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,256
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,194
−HK$1,966/mo
Today · 4.125%
HK$76,160
baseline
▲ 0.50% · 4.625%
HK$80,174
+HK$4,014/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,320/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,775
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,132
−HK$2,395/mo
Today · 4.125%
HK$80,527
baseline
▲ 0.50% · 4.625%
HK$85,427
+HK$4,900/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,054/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,299
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,560
−HK$2,293/mo
Today · 4.125%
HK$88,853
baseline
▲ 0.50% · 4.625%
HK$93,537
+HK$4,684/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,706/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,425
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,455
−HK$3,079/mo
Today · 4.125%
HK$103,534
baseline
▲ 0.50% · 4.625%
HK$109,834
+HK$6,300/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,068/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,384
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,291
−HK$2,949/mo
Today · 4.125%
HK$114,240
baseline
▲ 0.50% · 4.625%
HK$120,262
+HK$6,022/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,480/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,795 · Scale 2, in force from 26 Feb 2026)