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$53,967
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,645
−HK$1,706/mo
Today · 4.125%
HK$57,351
baseline
▲ 0.50% · 4.625%
HK$60,840
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,702/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,037
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,647
−HK$1,634/mo
Today · 4.125%
HK$63,281
baseline
▲ 0.50% · 4.625%
HK$66,617
+HK$3,336/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,562/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,760
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,774
−HK$2,047/mo
Today · 4.125%
HK$68,821
baseline
▲ 0.50% · 4.625%
HK$73,009
+HK$4,188/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,642/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,045
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,977
−HK$1,960/mo
Today · 4.125%
HK$75,937
baseline
▲ 0.50% · 4.625%
HK$79,940
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,874/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,553
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,903
−HK$2,388/mo
Today · 4.125%
HK$80,291
baseline
▲ 0.50% · 4.625%
HK$85,177
+HK$4,886/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,582/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,052
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,306
−HK$2,287/mo
Today · 4.125%
HK$88,593
baseline
▲ 0.50% · 4.625%
HK$93,263
+HK$4,670/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,186/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,140
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,162
−HK$3,069/mo
Today · 4.125%
HK$103,231
baseline
▲ 0.50% · 4.625%
HK$109,513
+HK$6,282/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,462/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,067
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,965
−HK$2,941/mo
Today · 4.125%
HK$113,906
baseline
▲ 0.50% · 4.625%
HK$119,910
+HK$6,004/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,812/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,844 · Scale 2, in force from 26 Feb 2026)