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$54,057
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,738
−HK$1,709/mo
Today · 4.125%
HK$57,447
baseline
▲ 0.50% · 4.625%
HK$60,942
+HK$3,495/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,894/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,138
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,751
−HK$1,636/mo
Today · 4.125%
HK$63,387
baseline
▲ 0.50% · 4.625%
HK$66,728
+HK$3,341/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,774/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,868
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,886
−HK$2,050/mo
Today · 4.125%
HK$68,936
baseline
▲ 0.50% · 4.625%
HK$73,131
+HK$4,195/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,872/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,165
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,101
−HK$1,963/mo
Today · 4.125%
HK$76,064
baseline
▲ 0.50% · 4.625%
HK$80,074
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,128/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,680
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,034
−HK$2,391/mo
Today · 4.125%
HK$80,425
baseline
▲ 0.50% · 4.625%
HK$85,319
+HK$4,894/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,850/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,193
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,451
−HK$2,290/mo
Today · 4.125%
HK$88,741
baseline
▲ 0.50% · 4.625%
HK$93,419
+HK$4,678/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,482/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,302
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,329
−HK$3,075/mo
Today · 4.125%
HK$103,404
baseline
▲ 0.50% · 4.625%
HK$109,696
+HK$6,292/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,808/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,248
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,151
−HK$2,945/mo
Today · 4.125%
HK$114,096
baseline
▲ 0.50% · 4.625%
HK$120,110
+HK$6,014/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,192/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,526 · Scale 2, in force from 26 Feb 2026)