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$53,955
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,633
−HK$1,705/mo
Today · 4.125%
HK$57,338
baseline
▲ 0.50% · 4.625%
HK$60,827
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,676/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,024
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,634
−HK$1,633/mo
Today · 4.125%
HK$63,267
baseline
▲ 0.50% · 4.625%
HK$66,602
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,534/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,746
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,760
−HK$2,046/mo
Today · 4.125%
HK$68,806
baseline
▲ 0.50% · 4.625%
HK$72,993
+HK$4,187/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$137,612/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,029
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,961
−HK$1,960/mo
Today · 4.125%
HK$75,921
baseline
▲ 0.50% · 4.625%
HK$79,922
+HK$4,001/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$151,842/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,537
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,886
−HK$2,388/mo
Today · 4.125%
HK$80,274
baseline
▲ 0.50% · 4.625%
HK$85,158
+HK$4,884/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,548/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,034
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,288
−HK$2,286/mo
Today · 4.125%
HK$88,574
baseline
▲ 0.50% · 4.625%
HK$93,243
+HK$4,669/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,148/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,119
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,140
−HK$3,069/mo
Today · 4.125%
HK$103,209
baseline
▲ 0.50% · 4.625%
HK$109,489
+HK$6,280/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,418/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,044
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,941
−HK$2,940/mo
Today · 4.125%
HK$113,881
baseline
▲ 0.50% · 4.625%
HK$119,884
+HK$6,003/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,762/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,624 · Scale 2, in force from 26 Feb 2026)