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$53,927
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,604
−HK$1,705/mo
Today · 4.125%
HK$57,309
baseline
▲ 0.50% · 4.625%
HK$60,796
+HK$3,487/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,618/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,993
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,602
−HK$1,632/mo
Today · 4.125%
HK$63,234
baseline
▲ 0.50% · 4.625%
HK$66,568
+HK$3,334/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,468/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,712
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,725
−HK$2,045/mo
Today · 4.125%
HK$68,770
baseline
▲ 0.50% · 4.625%
HK$72,955
+HK$4,185/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,540/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,992
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,923
−HK$1,958/mo
Today · 4.125%
HK$75,881
baseline
▲ 0.50% · 4.625%
HK$79,881
+HK$4,000/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,762/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,498
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,846
−HK$2,386/mo
Today · 4.125%
HK$80,232
baseline
▲ 0.50% · 4.625%
HK$85,114
+HK$4,882/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,464/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,990
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,243
−HK$2,285/mo
Today · 4.125%
HK$88,528
baseline
▲ 0.50% · 4.625%
HK$93,195
+HK$4,667/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,056/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,068
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,088
−HK$3,068/mo
Today · 4.125%
HK$103,156
baseline
▲ 0.50% · 4.625%
HK$109,432
+HK$6,276/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,312/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,988
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,884
−HK$2,938/mo
Today · 4.125%
HK$113,822
baseline
▲ 0.50% · 4.625%
HK$119,822
+HK$6,000/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,644/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,104 · Scale 2, in force from 26 Feb 2026)