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$54,086
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,769
−HK$1,709/mo
Today · 4.125%
HK$57,478
baseline
▲ 0.50% · 4.625%
HK$60,975
+HK$3,497/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,956/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,171
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,784
−HK$1,637/mo
Today · 4.125%
HK$63,421
baseline
▲ 0.50% · 4.625%
HK$66,764
+HK$3,343/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,842/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,904
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,922
−HK$2,052/mo
Today · 4.125%
HK$68,974
baseline
▲ 0.50% · 4.625%
HK$73,171
+HK$4,197/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,948/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,205
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,141
−HK$1,965/mo
Today · 4.125%
HK$76,106
baseline
▲ 0.50% · 4.625%
HK$80,117
+HK$4,011/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,212/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,721
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,076
−HK$2,393/mo
Today · 4.125%
HK$80,469
baseline
▲ 0.50% · 4.625%
HK$85,366
+HK$4,897/mo
Deposit HK$7.12M · loan HK$16.60M · min. income ≈ HK$160,938/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,008,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,239
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,498
−HK$2,292/mo
Today · 4.125%
HK$88,790
baseline
▲ 0.50% · 4.625%
HK$93,470
+HK$4,680/mo
Deposit HK$7.12M · loan HK$16.60M · min. income ≈ HK$177,580/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,008,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,355
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,384
−HK$3,076/mo
Today · 4.125%
HK$103,460
baseline
▲ 0.50% · 4.625%
HK$109,756
+HK$6,296/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,920/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,307
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,212
−HK$2,946/mo
Today · 4.125%
HK$114,158
baseline
▲ 0.50% · 4.625%
HK$120,176
+HK$6,018/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,316/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,075 · Scale 2, in force from 26 Feb 2026)