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$53,966
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,644
−HK$1,706/mo
Today · 4.125%
HK$57,350
baseline
▲ 0.50% · 4.625%
HK$60,839
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,700/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,036
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,646
−HK$1,634/mo
Today · 4.125%
HK$63,280
baseline
▲ 0.50% · 4.625%
HK$66,615
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,560/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,759
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,773
−HK$2,047/mo
Today · 4.125%
HK$68,820
baseline
▲ 0.50% · 4.625%
HK$73,007
+HK$4,187/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,640/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,043
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,976
−HK$1,960/mo
Today · 4.125%
HK$75,936
baseline
▲ 0.50% · 4.625%
HK$79,938
+HK$4,002/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,872/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,552
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,902
−HK$2,388/mo
Today · 4.125%
HK$80,290
baseline
▲ 0.50% · 4.625%
HK$85,175
+HK$4,885/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,580/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,051
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,305
−HK$2,287/mo
Today · 4.125%
HK$88,592
baseline
▲ 0.50% · 4.625%
HK$93,262
+HK$4,670/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,184/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,138
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,160
−HK$3,070/mo
Today · 4.125%
HK$103,230
baseline
▲ 0.50% · 4.625%
HK$109,511
+HK$6,281/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,460/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,065
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,963
−HK$2,941/mo
Today · 4.125%
HK$113,904
baseline
▲ 0.50% · 4.625%
HK$119,908
+HK$6,004/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,808/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,826 · Scale 2, in force from 26 Feb 2026)