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$54,066
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,748
−HK$1,708/mo
Today · 4.125%
HK$57,456
baseline
▲ 0.50% · 4.625%
HK$60,952
+HK$3,496/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,912/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,148
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,761
−HK$1,636/mo
Today · 4.125%
HK$63,397
baseline
▲ 0.50% · 4.625%
HK$66,739
+HK$3,342/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,794/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,879
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,897
−HK$2,051/mo
Today · 4.125%
HK$68,948
baseline
▲ 0.50% · 4.625%
HK$73,143
+HK$4,195/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$137,896/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,177
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,113
−HK$1,964/mo
Today · 4.125%
HK$76,077
baseline
▲ 0.50% · 4.625%
HK$80,087
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$152,154/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,692
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,047
−HK$2,392/mo
Today · 4.125%
HK$80,439
baseline
▲ 0.50% · 4.625%
HK$85,333
+HK$4,894/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,878/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,207
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,465
−HK$2,291/mo
Today · 4.125%
HK$88,756
baseline
▲ 0.50% · 4.625%
HK$93,435
+HK$4,679/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,512/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,319
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,346
−HK$3,075/mo
Today · 4.125%
HK$103,421
baseline
▲ 0.50% · 4.625%
HK$109,714
+HK$6,293/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,842/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,266
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,170
−HK$2,945/mo
Today · 4.125%
HK$114,115
baseline
▲ 0.50% · 4.625%
HK$120,130
+HK$6,015/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,230/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,694 · Scale 2, in force from 26 Feb 2026)