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$54,076
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,758
−HK$1,709/mo
Today · 4.125%
HK$57,467
baseline
▲ 0.50% · 4.625%
HK$60,964
+HK$3,497/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,934/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,007,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,159
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,773
−HK$1,636/mo
Today · 4.125%
HK$63,409
baseline
▲ 0.50% · 4.625%
HK$66,752
+HK$3,343/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,818/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,007,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,891
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,910
−HK$2,051/mo
Today · 4.125%
HK$68,961
baseline
▲ 0.50% · 4.625%
HK$73,157
+HK$4,196/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,922/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,191
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,127
−HK$1,964/mo
Today · 4.125%
HK$76,091
baseline
▲ 0.50% · 4.625%
HK$80,102
+HK$4,011/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,182/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,707
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,062
−HK$2,392/mo
Today · 4.125%
HK$80,454
baseline
▲ 0.50% · 4.625%
HK$85,350
+HK$4,896/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,908/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,223
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,482
−HK$2,291/mo
Today · 4.125%
HK$88,773
baseline
▲ 0.50% · 4.625%
HK$93,453
+HK$4,680/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,546/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,337
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,365
−HK$3,076/mo
Today · 4.125%
HK$103,441
baseline
▲ 0.50% · 4.625%
HK$109,735
+HK$6,294/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,882/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,287
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,191
−HK$2,946/mo
Today · 4.125%
HK$114,137
baseline
▲ 0.50% · 4.625%
HK$120,153
+HK$6,016/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,274/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,886 · Scale 2, in force from 26 Feb 2026)