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$54,024
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,705
−HK$1,707/mo
Today · 4.125%
HK$57,412
baseline
▲ 0.50% · 4.625%
HK$60,905
+HK$3,493/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,824/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,101
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,713
−HK$1,635/mo
Today · 4.125%
HK$63,348
baseline
▲ 0.50% · 4.625%
HK$66,688
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,696/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,829
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,845
−HK$2,049/mo
Today · 4.125%
HK$68,894
baseline
▲ 0.50% · 4.625%
HK$73,086
+HK$4,192/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,788/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,122
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,056
−HK$1,962/mo
Today · 4.125%
HK$76,018
baseline
▲ 0.50% · 4.625%
HK$80,025
+HK$4,007/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,036/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,634
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,986
−HK$2,391/mo
Today · 4.125%
HK$80,377
baseline
▲ 0.50% · 4.625%
HK$85,267
+HK$4,890/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$160,754/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,142
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,398
−HK$2,290/mo
Today · 4.125%
HK$88,688
baseline
▲ 0.50% · 4.625%
HK$93,363
+HK$4,675/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$177,376/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,243
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,268
−HK$3,073/mo
Today · 4.125%
HK$103,341
baseline
▲ 0.50% · 4.625%
HK$109,629
+HK$6,288/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,682/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,182
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,084
−HK$2,943/mo
Today · 4.125%
HK$114,027
baseline
▲ 0.50% · 4.625%
HK$120,038
+HK$6,011/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,054/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,915 · Scale 2, in force from 26 Feb 2026)