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$54,080
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,762
−HK$1,709/mo
Today · 4.125%
HK$57,471
baseline
▲ 0.50% · 4.625%
HK$60,968
+HK$3,497/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,942/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,007,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,163
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,776
−HK$1,637/mo
Today · 4.125%
HK$63,413
baseline
▲ 0.50% · 4.625%
HK$66,756
+HK$3,343/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,826/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,007,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,895
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,914
−HK$2,051/mo
Today · 4.125%
HK$68,965
baseline
▲ 0.50% · 4.625%
HK$73,161
+HK$4,196/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,930/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,196
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,132
−HK$1,964/mo
Today · 4.125%
HK$76,096
baseline
▲ 0.50% · 4.625%
HK$80,107
+HK$4,011/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,192/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,711
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,066
−HK$2,393/mo
Today · 4.125%
HK$80,459
baseline
▲ 0.50% · 4.625%
HK$85,355
+HK$4,896/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,918/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,228
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,487
−HK$2,292/mo
Today · 4.125%
HK$88,779
baseline
▲ 0.50% · 4.625%
HK$93,458
+HK$4,679/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,558/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,343
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,371
−HK$3,076/mo
Today · 4.125%
HK$103,447
baseline
▲ 0.50% · 4.625%
HK$109,742
+HK$6,295/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,894/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,293
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,198
−HK$2,946/mo
Today · 4.125%
HK$114,144
baseline
▲ 0.50% · 4.625%
HK$120,161
+HK$6,017/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,288/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,949 · Scale 2, in force from 26 Feb 2026)