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$53,976
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,655
−HK$1,706/mo
Today · 4.125%
HK$57,361
baseline
▲ 0.50% · 4.625%
HK$60,852
+HK$3,491/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,722/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,048
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,659
−HK$1,633/mo
Today · 4.125%
HK$63,292
baseline
▲ 0.50% · 4.625%
HK$66,629
+HK$3,337/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,584/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,772
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,787
−HK$2,047/mo
Today · 4.125%
HK$68,834
baseline
▲ 0.50% · 4.625%
HK$73,022
+HK$4,188/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,668/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,006,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,058
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,990
−HK$1,961/mo
Today · 4.125%
HK$75,951
baseline
▲ 0.50% · 4.625%
HK$79,954
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,902/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,006,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,567
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,918
−HK$2,388/mo
Today · 4.125%
HK$80,306
baseline
▲ 0.50% · 4.625%
HK$85,192
+HK$4,886/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,612/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,068
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,322
−HK$2,287/mo
Today · 4.125%
HK$88,609
baseline
▲ 0.50% · 4.625%
HK$93,280
+HK$4,671/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,218/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,158
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,180
−HK$3,070/mo
Today · 4.125%
HK$103,250
baseline
▲ 0.50% · 4.625%
HK$109,533
+HK$6,283/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,500/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,087
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,986
−HK$2,940/mo
Today · 4.125%
HK$113,926
baseline
▲ 0.50% · 4.625%
HK$119,932
+HK$6,006/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,852/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,028 · Scale 2, in force from 26 Feb 2026)