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$54,116
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,800
−HK$1,710/mo
Today · 4.125%
HK$57,510
baseline
▲ 0.50% · 4.625%
HK$61,009
+HK$3,499/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,020/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,204
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,818
−HK$1,638/mo
Today · 4.125%
HK$63,456
baseline
▲ 0.50% · 4.625%
HK$66,801
+HK$3,345/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,912/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,939
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,959
−HK$2,053/mo
Today · 4.125%
HK$69,012
baseline
▲ 0.50% · 4.625%
HK$73,211
+HK$4,199/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,024/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,245
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,182
−HK$1,966/mo
Today · 4.125%
HK$76,148
baseline
▲ 0.50% · 4.625%
HK$80,161
+HK$4,013/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,296/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,763
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,119
−HK$2,395/mo
Today · 4.125%
HK$80,514
baseline
▲ 0.50% · 4.625%
HK$85,413
+HK$4,899/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$161,028/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,285
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,546
−HK$2,293/mo
Today · 4.125%
HK$88,839
baseline
▲ 0.50% · 4.625%
HK$93,522
+HK$4,683/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,678/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,409
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,439
−HK$3,079/mo
Today · 4.125%
HK$103,518
baseline
▲ 0.50% · 4.625%
HK$109,816
+HK$6,298/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,036/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,367
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$111,273
−HK$2,948/mo
Today · 4.125%
HK$114,221
baseline
▲ 0.50% · 4.625%
HK$120,242
+HK$6,021/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,442/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,632 · Scale 2, in force from 26 Feb 2026)