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$54,097
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,779
−HK$1,710/mo
Today · 4.125%
HK$57,489
baseline
▲ 0.50% · 4.625%
HK$60,987
+HK$3,498/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,978/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,182
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,796
−HK$1,637/mo
Today · 4.125%
HK$63,433
baseline
▲ 0.50% · 4.625%
HK$66,777
+HK$3,344/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,866/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,916
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,935
−HK$2,052/mo
Today · 4.125%
HK$68,987
baseline
▲ 0.50% · 4.625%
HK$73,185
+HK$4,198/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,974/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,218
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,155
−HK$1,965/mo
Today · 4.125%
HK$76,120
baseline
▲ 0.50% · 4.625%
HK$80,133
+HK$4,013/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,240/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,735
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,091
−HK$2,394/mo
Today · 4.125%
HK$80,485
baseline
▲ 0.50% · 4.625%
HK$85,382
+HK$4,897/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$160,970/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,255
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,514
−HK$2,293/mo
Today · 4.125%
HK$88,807
baseline
▲ 0.50% · 4.625%
HK$93,488
+HK$4,681/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,614/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,374
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,403
−HK$3,077/mo
Today · 4.125%
HK$103,480
baseline
▲ 0.50% · 4.625%
HK$109,777
+HK$6,297/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,960/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,328
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,233
−HK$2,947/mo
Today · 4.125%
HK$114,180
baseline
▲ 0.50% · 4.625%
HK$120,199
+HK$6,019/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,360/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,268 · Scale 2, in force from 26 Feb 2026)