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$53,949
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,627
−HK$1,705/mo
Today · 4.125%
HK$57,332
baseline
▲ 0.50% · 4.625%
HK$60,821
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,664/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,018
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,628
−HK$1,633/mo
Today · 4.125%
HK$63,261
baseline
▲ 0.50% · 4.625%
HK$66,595
+HK$3,334/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,522/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,739
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,753
−HK$2,046/mo
Today · 4.125%
HK$68,799
baseline
▲ 0.50% · 4.625%
HK$72,985
+HK$4,186/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$137,598/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,022
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,953
−HK$1,960/mo
Today · 4.125%
HK$75,913
baseline
▲ 0.50% · 4.625%
HK$79,914
+HK$4,001/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$151,826/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,529
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,878
−HK$2,387/mo
Today · 4.125%
HK$80,265
baseline
▲ 0.50% · 4.625%
HK$85,149
+HK$4,884/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,530/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,025
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,279
−HK$2,286/mo
Today · 4.125%
HK$88,565
baseline
▲ 0.50% · 4.625%
HK$93,233
+HK$4,668/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,130/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,109
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,129
−HK$3,069/mo
Today · 4.125%
HK$103,198
baseline
▲ 0.50% · 4.625%
HK$109,478
+HK$6,280/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,396/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,033
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$110,930
−HK$2,939/mo
Today · 4.125%
HK$113,869
baseline
▲ 0.50% · 4.625%
HK$119,872
+HK$6,003/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,738/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,523 · Scale 2, in force from 26 Feb 2026)