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$53,992
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,671
−HK$1,707/mo
Today · 4.125%
HK$57,378
baseline
▲ 0.50% · 4.625%
HK$60,869
+HK$3,491/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,756/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,066
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,676
−HK$1,635/mo
Today · 4.125%
HK$63,311
baseline
▲ 0.50% · 4.625%
HK$66,648
+HK$3,337/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,622/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,790
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,806
−HK$2,047/mo
Today · 4.125%
HK$68,853
baseline
▲ 0.50% · 4.625%
HK$73,043
+HK$4,190/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,706/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,079
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,012
−HK$1,961/mo
Today · 4.125%
HK$75,973
baseline
▲ 0.50% · 4.625%
HK$79,977
+HK$4,004/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,946/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,589
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,940
−HK$2,389/mo
Today · 4.125%
HK$80,329
baseline
▲ 0.50% · 4.625%
HK$85,217
+HK$4,888/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,658/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,092
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,347
−HK$2,288/mo
Today · 4.125%
HK$88,635
baseline
▲ 0.50% · 4.625%
HK$93,307
+HK$4,672/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,270/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,186
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,209
−HK$3,071/mo
Today · 4.125%
HK$103,280
baseline
▲ 0.50% · 4.625%
HK$109,564
+HK$6,284/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,560/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,118
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,018
−HK$2,941/mo
Today · 4.125%
HK$113,959
baseline
▲ 0.50% · 4.625%
HK$119,966
+HK$6,007/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,918/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,316 · Scale 2, in force from 26 Feb 2026)