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$54,089
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,771
−HK$1,709/mo
Today · 4.125%
HK$57,480
baseline
▲ 0.50% · 4.625%
HK$60,978
+HK$3,498/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,960/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,173
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,787
−HK$1,637/mo
Today · 4.125%
HK$63,424
baseline
▲ 0.50% · 4.625%
HK$66,767
+HK$3,343/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,848/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,906
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,925
−HK$2,051/mo
Today · 4.125%
HK$68,976
baseline
▲ 0.50% · 4.625%
HK$73,173
+HK$4,197/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,952/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,208
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,144
−HK$1,965/mo
Today · 4.125%
HK$76,109
baseline
▲ 0.50% · 4.625%
HK$80,120
+HK$4,011/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,218/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,724
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,079
−HK$2,393/mo
Today · 4.125%
HK$80,472
baseline
▲ 0.50% · 4.625%
HK$85,369
+HK$4,897/mo
Deposit HK$7.12M · loan HK$16.60M · min. income ≈ HK$160,944/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,008,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,242
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,501
−HK$2,292/mo
Today · 4.125%
HK$88,793
baseline
▲ 0.50% · 4.625%
HK$93,474
+HK$4,681/mo
Deposit HK$7.12M · loan HK$16.60M · min. income ≈ HK$177,586/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,008,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,359
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,388
−HK$3,077/mo
Today · 4.125%
HK$103,465
baseline
▲ 0.50% · 4.625%
HK$109,760
+HK$6,295/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,930/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,311
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,216
−HK$2,947/mo
Today · 4.125%
HK$114,163
baseline
▲ 0.50% · 4.625%
HK$120,181
+HK$6,018/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,326/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,116 · Scale 2, in force from 26 Feb 2026)