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$54,019
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,699
−HK$1,707/mo
Today · 4.125%
HK$57,406
baseline
▲ 0.50% · 4.625%
HK$60,899
+HK$3,493/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,812/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,095
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,707
−HK$1,635/mo
Today · 4.125%
HK$63,342
baseline
▲ 0.50% · 4.625%
HK$66,681
+HK$3,339/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,684/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,822
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,839
−HK$2,048/mo
Today · 4.125%
HK$68,887
baseline
▲ 0.50% · 4.625%
HK$73,079
+HK$4,192/mo
Deposit HK$9.48M · loan HK$14.21M · min. income ≈ HK$137,774/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,114
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,048
−HK$1,962/mo
Today · 4.125%
HK$76,010
baseline
▲ 0.50% · 4.625%
HK$80,017
+HK$4,007/mo
Deposit HK$9.48M · loan HK$14.21M · min. income ≈ HK$152,020/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,626
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$77,978
−HK$2,390/mo
Today · 4.125%
HK$80,368
baseline
▲ 0.50% · 4.625%
HK$85,259
+HK$4,891/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$160,736/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,133
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,390
−HK$2,289/mo
Today · 4.125%
HK$88,679
baseline
▲ 0.50% · 4.625%
HK$93,353
+HK$4,674/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$177,358/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,233
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,258
−HK$3,073/mo
Today · 4.125%
HK$103,331
baseline
▲ 0.50% · 4.625%
HK$109,618
+HK$6,287/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,662/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,171
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$111,072
−HK$2,943/mo
Today · 4.125%
HK$114,015
baseline
▲ 0.50% · 4.625%
HK$120,025
+HK$6,010/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,030/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,813 · Scale 2, in force from 26 Feb 2026)