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$54,010
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,690
−HK$1,707/mo
Today · 4.125%
HK$57,397
baseline
▲ 0.50% · 4.625%
HK$60,889
+HK$3,492/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,794/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,085
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,697
−HK$1,634/mo
Today · 4.125%
HK$63,331
baseline
▲ 0.50% · 4.625%
HK$66,670
+HK$3,339/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,662/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,812
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,828
−HK$2,048/mo
Today · 4.125%
HK$68,876
baseline
▲ 0.50% · 4.625%
HK$73,067
+HK$4,191/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,752/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,102
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,036
−HK$1,962/mo
Today · 4.125%
HK$75,998
baseline
▲ 0.50% · 4.625%
HK$80,004
+HK$4,006/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,996/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,614
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,966
−HK$2,389/mo
Today · 4.125%
HK$80,355
baseline
▲ 0.50% · 4.625%
HK$85,245
+HK$4,890/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$160,710/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,119
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,375
−HK$2,289/mo
Today · 4.125%
HK$88,664
baseline
▲ 0.50% · 4.625%
HK$93,338
+HK$4,674/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$177,328/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,218
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,242
−HK$3,072/mo
Today · 4.125%
HK$103,314
baseline
▲ 0.50% · 4.625%
HK$109,600
+HK$6,286/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,628/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,154
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,054
−HK$2,943/mo
Today · 4.125%
HK$113,997
baseline
▲ 0.50% · 4.625%
HK$120,006
+HK$6,009/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$227,994/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,648 · Scale 2, in force from 26 Feb 2026)