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$54,003
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,683
−HK$1,706/mo
Today · 4.125%
HK$57,389
baseline
▲ 0.50% · 4.625%
HK$60,881
+HK$3,492/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,778/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,078
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,689
−HK$1,634/mo
Today · 4.125%
HK$63,323
baseline
▲ 0.50% · 4.625%
HK$66,661
+HK$3,338/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,646/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,803
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,819
−HK$2,048/mo
Today · 4.125%
HK$68,867
baseline
▲ 0.50% · 4.625%
HK$73,057
+HK$4,190/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,734/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,093
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,027
−HK$1,961/mo
Today · 4.125%
HK$75,988
baseline
▲ 0.50% · 4.625%
HK$79,993
+HK$4,005/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,976/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,604
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,956
−HK$2,389/mo
Today · 4.125%
HK$80,345
baseline
▲ 0.50% · 4.625%
HK$85,234
+HK$4,889/mo
Deposit HK$7.10M · loan HK$16.58M · min. income ≈ HK$160,690/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,109
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,364
−HK$2,289/mo
Today · 4.125%
HK$88,653
baseline
▲ 0.50% · 4.625%
HK$93,326
+HK$4,673/mo
Deposit HK$7.10M · loan HK$16.58M · min. income ≈ HK$177,306/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,205
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,229
−HK$3,072/mo
Today · 4.125%
HK$103,301
baseline
▲ 0.50% · 4.625%
HK$109,586
+HK$6,285/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,602/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,140
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$111,040
−HK$2,942/mo
Today · 4.125%
HK$113,982
baseline
▲ 0.50% · 4.625%
HK$119,990
+HK$6,008/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,964/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,517 · Scale 2, in force from 26 Feb 2026)