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$53,905
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,582
−HK$1,704/mo
Today · 4.125%
HK$57,286
baseline
▲ 0.50% · 4.625%
HK$60,771
+HK$3,485/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,572/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,969
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,577
−HK$1,632/mo
Today · 4.125%
HK$63,209
baseline
▲ 0.50% · 4.625%
HK$66,541
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,418/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,686
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,698
−HK$2,045/mo
Today · 4.125%
HK$68,743
baseline
▲ 0.50% · 4.625%
HK$72,926
+HK$4,183/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$137,486/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,963
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,893
−HK$1,958/mo
Today · 4.125%
HK$75,851
baseline
▲ 0.50% · 4.625%
HK$79,849
+HK$3,998/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$151,702/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,467
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,815
−HK$2,385/mo
Today · 4.125%
HK$80,200
baseline
▲ 0.50% · 4.625%
HK$85,080
+HK$4,880/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,400/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,957
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,208
−HK$2,285/mo
Today · 4.125%
HK$88,493
baseline
▲ 0.50% · 4.625%
HK$93,157
+HK$4,664/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$176,986/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,030
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,048
−HK$3,066/mo
Today · 4.125%
HK$103,114
baseline
▲ 0.50% · 4.625%
HK$109,388
+HK$6,274/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,228/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,944
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,839
−HK$2,937/mo
Today · 4.125%
HK$113,776
baseline
▲ 0.50% · 4.625%
HK$119,774
+HK$5,998/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,552/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,702 · Scale 2, in force from 26 Feb 2026)