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$53,923
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,601
−HK$1,704/mo
Today · 4.125%
HK$57,305
baseline
▲ 0.50% · 4.625%
HK$60,791
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,610/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,989
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,598
−HK$1,632/mo
Today · 4.125%
HK$63,230
baseline
▲ 0.50% · 4.625%
HK$66,563
+HK$3,333/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,460/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,708
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,721
−HK$2,045/mo
Today · 4.125%
HK$68,766
baseline
▲ 0.50% · 4.625%
HK$72,950
+HK$4,184/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,532/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,987
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,917
−HK$1,959/mo
Today · 4.125%
HK$75,876
baseline
▲ 0.50% · 4.625%
HK$79,876
+HK$4,000/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,752/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,492
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,841
−HK$2,386/mo
Today · 4.125%
HK$80,227
baseline
▲ 0.50% · 4.625%
HK$85,108
+HK$4,881/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,454/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,985
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,237
−HK$2,285/mo
Today · 4.125%
HK$88,522
baseline
▲ 0.50% · 4.625%
HK$93,188
+HK$4,666/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,044/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,062
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,081
−HK$3,067/mo
Today · 4.125%
HK$103,148
baseline
▲ 0.50% · 4.625%
HK$109,425
+HK$6,277/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,296/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,980
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,876
−HK$2,938/mo
Today · 4.125%
HK$113,814
baseline
▲ 0.50% · 4.625%
HK$119,813
+HK$5,999/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,628/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,035 · Scale 2, in force from 26 Feb 2026)