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$60,961
+HK$3,496/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$1,007,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,156
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,770
−HK$1,636/mo
Today · 4.125%
HK$63,406
baseline
▲ 0.50% · 4.625%
HK$66,749
+HK$3,343/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,812/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,888
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,907
−HK$2,050/mo
Today · 4.125%
HK$68,957
baseline
▲ 0.50% · 4.625%
HK$73,153
+HK$4,196/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,914/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,188
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,124
−HK$1,964/mo
Today · 4.125%
HK$76,088
baseline
▲ 0.50% · 4.625%
HK$80,098
+HK$4,010/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,176/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,703
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,058
−HK$2,392/mo
Today · 4.125%
HK$80,450
baseline
▲ 0.50% · 4.625%
HK$85,346
+HK$4,896/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,900/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,219
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,478
−HK$2,291/mo
Today · 4.125%
HK$88,769
baseline
▲ 0.50% · 4.625%
HK$93,448
+HK$4,679/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,538/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,333
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,360
−HK$3,076/mo
Today · 4.125%
HK$103,436
baseline
▲ 0.50% · 4.625%
HK$109,730
+HK$6,294/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,872/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,282
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,186
−HK$2,946/mo
Today · 4.125%
HK$114,132
baseline
▲ 0.50% · 4.625%
HK$120,148
+HK$6,016/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,264/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,839 · Scale 2, in force from 26 Feb 2026)