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$53,912
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,589
−HK$1,704/mo
Today · 4.125%
HK$57,293
baseline
▲ 0.50% · 4.625%
HK$60,779
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,586/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,977
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,585
−HK$1,632/mo
Today · 4.125%
HK$63,217
baseline
▲ 0.50% · 4.625%
HK$66,549
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,434/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,695
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,707
−HK$2,045/mo
Today · 4.125%
HK$68,752
baseline
▲ 0.50% · 4.625%
HK$72,935
+HK$4,183/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,504/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,972
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,902
−HK$1,959/mo
Today · 4.125%
HK$75,861
baseline
▲ 0.50% · 4.625%
HK$79,859
+HK$3,998/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,722/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,477
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,825
−HK$2,385/mo
Today · 4.125%
HK$80,210
baseline
▲ 0.50% · 4.625%
HK$85,091
+HK$4,881/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,420/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,968
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,220
−HK$2,284/mo
Today · 4.125%
HK$88,504
baseline
▲ 0.50% · 4.625%
HK$93,169
+HK$4,665/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,008/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,042
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,061
−HK$3,066/mo
Today · 4.125%
HK$103,127
baseline
▲ 0.50% · 4.625%
HK$109,402
+HK$6,275/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,254/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,958
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,854
−HK$2,937/mo
Today · 4.125%
HK$113,791
baseline
▲ 0.50% · 4.625%
HK$119,789
+HK$5,998/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,582/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,831 · Scale 2, in force from 26 Feb 2026)