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$54,037
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,718
−HK$1,707/mo
Today · 4.125%
HK$57,425
baseline
▲ 0.50% · 4.625%
HK$60,920
+HK$3,495/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,850/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,115
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,728
−HK$1,635/mo
Today · 4.125%
HK$63,363
baseline
▲ 0.50% · 4.625%
HK$66,703
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,726/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,844
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,861
−HK$2,049/mo
Today · 4.125%
HK$68,910
baseline
▲ 0.50% · 4.625%
HK$73,103
+HK$4,193/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,820/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,138
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,073
−HK$1,963/mo
Today · 4.125%
HK$76,036
baseline
▲ 0.50% · 4.625%
HK$80,044
+HK$4,008/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,072/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,651
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,005
−HK$2,390/mo
Today · 4.125%
HK$80,395
baseline
▲ 0.50% · 4.625%
HK$85,287
+HK$4,892/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,790/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,162
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,419
−HK$2,289/mo
Today · 4.125%
HK$88,708
baseline
▲ 0.50% · 4.625%
HK$93,384
+HK$4,676/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,416/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,266
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$100,292
−HK$3,074/mo
Today · 4.125%
HK$103,366
baseline
▲ 0.50% · 4.625%
HK$109,655
+HK$6,289/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,732/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,208
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,110
−HK$2,944/mo
Today · 4.125%
HK$114,054
baseline
▲ 0.50% · 4.625%
HK$120,066
+HK$6,012/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,108/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,152 · Scale 2, in force from 26 Feb 2026)