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$53,959
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,637
−HK$1,705/mo
Today · 4.125%
HK$57,342
baseline
▲ 0.50% · 4.625%
HK$60,832
+HK$3,490/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,684/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,029
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,638
−HK$1,634/mo
Today · 4.125%
HK$63,272
baseline
▲ 0.50% · 4.625%
HK$66,607
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,544/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,750
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,765
−HK$2,046/mo
Today · 4.125%
HK$68,811
baseline
▲ 0.50% · 4.625%
HK$72,998
+HK$4,187/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,622/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,034
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,966
−HK$1,960/mo
Today · 4.125%
HK$75,926
baseline
▲ 0.50% · 4.625%
HK$79,928
+HK$4,002/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,852/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,542
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,892
−HK$2,387/mo
Today · 4.125%
HK$80,279
baseline
▲ 0.50% · 4.625%
HK$85,164
+HK$4,885/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,558/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,040
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,294
−HK$2,286/mo
Today · 4.125%
HK$88,580
baseline
▲ 0.50% · 4.625%
HK$93,250
+HK$4,670/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,160/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,126
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,147
−HK$3,069/mo
Today · 4.125%
HK$103,216
baseline
▲ 0.50% · 4.625%
HK$109,497
+HK$6,281/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,432/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,051
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,949
−HK$2,940/mo
Today · 4.125%
HK$113,889
baseline
▲ 0.50% · 4.625%
HK$119,892
+HK$6,003/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,778/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,696 · Scale 2, in force from 26 Feb 2026)