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$54,011
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,691
−HK$1,707/mo
Today · 4.125%
HK$57,398
baseline
▲ 0.50% · 4.625%
HK$60,891
+HK$3,493/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,796/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,087
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,698
−HK$1,635/mo
Today · 4.125%
HK$63,333
baseline
▲ 0.50% · 4.625%
HK$66,672
+HK$3,339/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,666/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,813
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,829
−HK$2,049/mo
Today · 4.125%
HK$68,878
baseline
▲ 0.50% · 4.625%
HK$73,069
+HK$4,191/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,756/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,104
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,038
−HK$1,962/mo
Today · 4.125%
HK$76,000
baseline
▲ 0.50% · 4.625%
HK$80,006
+HK$4,006/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$152,000/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,616
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,968
−HK$2,389/mo
Today · 4.125%
HK$80,357
baseline
▲ 0.50% · 4.625%
HK$85,247
+HK$4,890/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$160,714/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,122
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,378
−HK$2,288/mo
Today · 4.125%
HK$88,666
baseline
▲ 0.50% · 4.625%
HK$93,340
+HK$4,674/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$177,332/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,220
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$100,244
−HK$3,073/mo
Today · 4.125%
HK$103,317
baseline
▲ 0.50% · 4.625%
HK$109,603
+HK$6,286/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,634/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,156
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$111,057
−HK$2,943/mo
Today · 4.125%
HK$114,000
baseline
▲ 0.50% · 4.625%
HK$120,009
+HK$6,009/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,000/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,674 · Scale 2, in force from 26 Feb 2026)