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$53,952
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,631
−HK$1,705/mo
Today · 4.125%
HK$57,336
baseline
▲ 0.50% · 4.625%
HK$60,824
+HK$3,488/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,672/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,021
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,631
−HK$1,633/mo
Today · 4.125%
HK$63,264
baseline
▲ 0.50% · 4.625%
HK$66,599
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,528/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,743
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,757
−HK$2,046/mo
Today · 4.125%
HK$68,803
baseline
▲ 0.50% · 4.625%
HK$72,989
+HK$4,186/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$137,606/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,026
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,957
−HK$1,960/mo
Today · 4.125%
HK$75,917
baseline
▲ 0.50% · 4.625%
HK$79,919
+HK$4,002/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$151,834/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,533
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,883
−HK$2,387/mo
Today · 4.125%
HK$80,270
baseline
▲ 0.50% · 4.625%
HK$85,154
+HK$4,884/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,540/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,030
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,284
−HK$2,286/mo
Today · 4.125%
HK$88,570
baseline
▲ 0.50% · 4.625%
HK$93,239
+HK$4,669/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,140/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,114
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,135
−HK$3,069/mo
Today · 4.125%
HK$103,204
baseline
▲ 0.50% · 4.625%
HK$109,484
+HK$6,280/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,408/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,039
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,936
−HK$2,940/mo
Today · 4.125%
HK$113,876
baseline
▲ 0.50% · 4.625%
HK$119,878
+HK$6,002/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,752/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,578 · Scale 2, in force from 26 Feb 2026)