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$54,109
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,792
−HK$1,710/mo
Today · 4.125%
HK$57,502
baseline
▲ 0.50% · 4.625%
HK$61,001
+HK$3,499/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$115,004/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,196
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,810
−HK$1,638/mo
Today · 4.125%
HK$63,448
baseline
▲ 0.50% · 4.625%
HK$66,792
+HK$3,344/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,896/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,931
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,950
−HK$2,052/mo
Today · 4.125%
HK$69,002
baseline
▲ 0.50% · 4.625%
HK$73,201
+HK$4,199/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,004/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,235
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,172
−HK$1,965/mo
Today · 4.125%
HK$76,137
baseline
▲ 0.50% · 4.625%
HK$80,151
+HK$4,014/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,274/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,752
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,109
−HK$2,394/mo
Today · 4.125%
HK$80,503
baseline
▲ 0.50% · 4.625%
HK$85,401
+HK$4,898/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$161,006/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,274
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,534
−HK$2,293/mo
Today · 4.125%
HK$88,827
baseline
▲ 0.50% · 4.625%
HK$93,509
+HK$4,682/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,654/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,396
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$100,426
−HK$3,078/mo
Today · 4.125%
HK$103,504
baseline
▲ 0.50% · 4.625%
HK$109,802
+HK$6,298/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,008/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,352
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$111,258
−HK$2,948/mo
Today · 4.125%
HK$114,206
baseline
▲ 0.50% · 4.625%
HK$120,226
+HK$6,020/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,412/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,496 · Scale 2, in force from 26 Feb 2026)