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$54,074
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,756
−HK$1,709/mo
Today · 4.125%
HK$57,465
baseline
▲ 0.50% · 4.625%
HK$60,962
+HK$3,497/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,930/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,157
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,770
−HK$1,637/mo
Today · 4.125%
HK$63,407
baseline
▲ 0.50% · 4.625%
HK$66,749
+HK$3,342/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,814/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,889
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,908
−HK$2,050/mo
Today · 4.125%
HK$68,958
baseline
▲ 0.50% · 4.625%
HK$73,154
+HK$4,196/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,916/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,188
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,125
−HK$1,964/mo
Today · 4.125%
HK$76,089
baseline
▲ 0.50% · 4.625%
HK$80,099
+HK$4,010/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,178/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,704
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,059
−HK$2,392/mo
Today · 4.125%
HK$80,451
baseline
▲ 0.50% · 4.625%
HK$85,347
+HK$4,896/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,902/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,220
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,479
−HK$2,291/mo
Today · 4.125%
HK$88,770
baseline
▲ 0.50% · 4.625%
HK$93,449
+HK$4,679/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,540/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,334
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,361
−HK$3,076/mo
Today · 4.125%
HK$103,437
baseline
▲ 0.50% · 4.625%
HK$109,731
+HK$6,294/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,874/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,283
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,187
−HK$2,946/mo
Today · 4.125%
HK$114,133
baseline
▲ 0.50% · 4.625%
HK$120,149
+HK$6,016/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,266/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,850 · Scale 2, in force from 26 Feb 2026)