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$54,067
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,749
−HK$1,709/mo
Today · 4.125%
HK$57,458
baseline
▲ 0.50% · 4.625%
HK$60,954
+HK$3,496/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,916/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,149
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,763
−HK$1,636/mo
Today · 4.125%
HK$63,399
baseline
▲ 0.50% · 4.625%
HK$66,741
+HK$3,342/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,798/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,881
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,899
−HK$2,051/mo
Today · 4.125%
HK$68,950
baseline
▲ 0.50% · 4.625%
HK$73,145
+HK$4,195/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$137,900/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,179
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,115
−HK$1,964/mo
Today · 4.125%
HK$76,079
baseline
▲ 0.50% · 4.625%
HK$80,089
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$152,158/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,694
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,049
−HK$2,392/mo
Today · 4.125%
HK$80,441
baseline
▲ 0.50% · 4.625%
HK$85,336
+HK$4,895/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,882/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,209
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,468
−HK$2,291/mo
Today · 4.125%
HK$88,759
baseline
▲ 0.50% · 4.625%
HK$93,437
+HK$4,678/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,518/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,321
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,349
−HK$3,075/mo
Today · 4.125%
HK$103,424
baseline
▲ 0.50% · 4.625%
HK$109,717
+HK$6,293/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,848/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,269
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,173
−HK$2,945/mo
Today · 4.125%
HK$114,118
baseline
▲ 0.50% · 4.625%
HK$120,134
+HK$6,016/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,236/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,723 · Scale 2, in force from 26 Feb 2026)