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$54,038
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,719
−HK$1,708/mo
Today · 4.125%
HK$57,427
baseline
▲ 0.50% · 4.625%
HK$60,921
+HK$3,494/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,854/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,117
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,729
−HK$1,636/mo
Today · 4.125%
HK$63,365
baseline
▲ 0.50% · 4.625%
HK$66,705
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,730/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,846
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,863
−HK$2,049/mo
Today · 4.125%
HK$68,912
baseline
▲ 0.50% · 4.625%
HK$73,105
+HK$4,193/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,824/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,140
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,075
−HK$1,963/mo
Today · 4.125%
HK$76,038
baseline
▲ 0.50% · 4.625%
HK$80,046
+HK$4,008/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,076/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,654
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,007
−HK$2,391/mo
Today · 4.125%
HK$80,398
baseline
▲ 0.50% · 4.625%
HK$85,290
+HK$4,892/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,796/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,164
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,421
−HK$2,290/mo
Today · 4.125%
HK$88,711
baseline
▲ 0.50% · 4.625%
HK$93,387
+HK$4,676/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,422/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,269
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,294
−HK$3,074/mo
Today · 4.125%
HK$103,368
baseline
▲ 0.50% · 4.625%
HK$109,658
+HK$6,290/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,736/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,211
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,113
−HK$2,944/mo
Today · 4.125%
HK$114,057
baseline
▲ 0.50% · 4.625%
HK$120,069
+HK$6,012/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,114/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,179 · Scale 2, in force from 26 Feb 2026)