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$53,837
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,512
−HK$1,702/mo
Today · 4.125%
HK$57,214
baseline
▲ 0.50% · 4.625%
HK$60,695
+HK$3,481/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,428/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,894
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,500
−HK$1,630/mo
Today · 4.125%
HK$63,130
baseline
▲ 0.50% · 4.625%
HK$66,457
+HK$3,327/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,260/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,605
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,615
−HK$2,041/mo
Today · 4.125%
HK$68,656
baseline
▲ 0.50% · 4.625%
HK$72,834
+HK$4,178/mo
Deposit HK$9.44M · loan HK$14.17M · min. income ≈ HK$137,312/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,872
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,800
−HK$1,955/mo
Today · 4.125%
HK$75,755
baseline
▲ 0.50% · 4.625%
HK$79,749
+HK$3,994/mo
Deposit HK$9.44M · loan HK$14.17M · min. income ≈ HK$151,510/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,372
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,717
−HK$2,382/mo
Today · 4.125%
HK$80,099
baseline
▲ 0.50% · 4.625%
HK$84,973
+HK$4,874/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,198/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,851
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,100
−HK$2,281/mo
Today · 4.125%
HK$88,381
baseline
▲ 0.50% · 4.625%
HK$93,040
+HK$4,659/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,762/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,907
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,922
−HK$3,062/mo
Today · 4.125%
HK$102,984
baseline
▲ 0.50% · 4.625%
HK$109,251
+HK$6,267/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$205,968/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,809
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,700
−HK$2,933/mo
Today · 4.125%
HK$113,633
baseline
▲ 0.50% · 4.625%
HK$119,623
+HK$5,990/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,266/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,437 · Scale 2, in force from 26 Feb 2026)