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$1,007,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,149
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,762
−HK$1,637/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$1,007,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,881
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,899
−HK$2,050/mo
Today · 4.125%
HK$68,949
baseline
▲ 0.50% · 4.625%
HK$73,144
+HK$4,195/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$137,898/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,717 · 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$1,007,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,694
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,048
−HK$2,393/mo
Today · 4.125%
HK$80,441
baseline
▲ 0.50% · 4.625%
HK$85,335
+HK$4,894/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$1,007,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,209
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,467
−HK$2,291/mo
Today · 4.125%
HK$88,758
baseline
▲ 0.50% · 4.625%
HK$93,437
+HK$4,679/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,516/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,321
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,348
−HK$3,076/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$1,007,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,268
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,172
−HK$2,946/mo
Today · 4.125%
HK$114,118
baseline
▲ 0.50% · 4.625%
HK$120,133
+HK$6,015/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$1,007,717 · Scale 2, in force from 26 Feb 2026)