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$53,941
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,619
−HK$1,704/mo
Today · 4.125%
HK$57,323
baseline
▲ 0.50% · 4.625%
HK$60,811
+HK$3,488/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,646/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,009
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,618
−HK$1,633/mo
Today · 4.125%
HK$63,251
baseline
▲ 0.50% · 4.625%
HK$66,585
+HK$3,334/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,502/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,729
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,742
−HK$2,046/mo
Today · 4.125%
HK$68,788
baseline
▲ 0.50% · 4.625%
HK$72,974
+HK$4,186/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,576/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,010
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,942
−HK$1,959/mo
Today · 4.125%
HK$75,901
baseline
▲ 0.50% · 4.625%
HK$79,902
+HK$4,001/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,802/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,517
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,866
−HK$2,387/mo
Today · 4.125%
HK$80,253
baseline
▲ 0.50% · 4.625%
HK$85,136
+HK$4,883/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,506/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,012
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,265
−HK$2,286/mo
Today · 4.125%
HK$88,551
baseline
▲ 0.50% · 4.625%
HK$93,219
+HK$4,668/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,102/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,094
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,114
−HK$3,068/mo
Today · 4.125%
HK$103,182
baseline
▲ 0.50% · 4.625%
HK$109,461
+HK$6,279/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,364/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,016
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,913
−HK$2,938/mo
Today · 4.125%
HK$113,851
baseline
▲ 0.50% · 4.625%
HK$119,853
+HK$6,002/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,702/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,364 · Scale 2, in force from 26 Feb 2026)