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$54,027
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,708
−HK$1,707/mo
Today · 4.125%
HK$57,415
baseline
▲ 0.50% · 4.625%
HK$60,909
+HK$3,494/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,830/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,104
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,716
−HK$1,636/mo
Today · 4.125%
HK$63,352
baseline
▲ 0.50% · 4.625%
HK$66,691
+HK$3,339/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,704/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,832
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,849
−HK$2,049/mo
Today · 4.125%
HK$68,898
baseline
▲ 0.50% · 4.625%
HK$73,090
+HK$4,192/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,796/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,125
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,060
−HK$1,962/mo
Today · 4.125%
HK$76,022
baseline
▲ 0.50% · 4.625%
HK$80,029
+HK$4,007/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,044/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,638
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,991
−HK$2,390/mo
Today · 4.125%
HK$80,381
baseline
▲ 0.50% · 4.625%
HK$85,272
+HK$4,891/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,762/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,146
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,403
−HK$2,289/mo
Today · 4.125%
HK$88,692
baseline
▲ 0.50% · 4.625%
HK$93,368
+HK$4,676/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,384/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,249
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,274
−HK$3,073/mo
Today · 4.125%
HK$103,347
baseline
▲ 0.50% · 4.625%
HK$109,635
+HK$6,288/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,694/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,188
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,090
−HK$2,943/mo
Today · 4.125%
HK$114,033
baseline
▲ 0.50% · 4.625%
HK$120,044
+HK$6,011/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,066/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,969 · Scale 2, in force from 26 Feb 2026)