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$53,987
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,666
−HK$1,706/mo
Today · 4.125%
HK$57,372
baseline
▲ 0.50% · 4.625%
HK$60,863
+HK$3,491/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,744/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,060
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,671
−HK$1,634/mo
Today · 4.125%
HK$63,305
baseline
▲ 0.50% · 4.625%
HK$66,641
+HK$3,336/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,610/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,784
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,799
−HK$2,048/mo
Today · 4.125%
HK$68,847
baseline
▲ 0.50% · 4.625%
HK$73,036
+HK$4,189/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,694/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,072
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,005
−HK$1,961/mo
Today · 4.125%
HK$75,966
baseline
▲ 0.50% · 4.625%
HK$79,970
+HK$4,004/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,932/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,582
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,933
−HK$2,388/mo
Today · 4.125%
HK$80,321
baseline
▲ 0.50% · 4.625%
HK$85,208
+HK$4,887/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,642/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,084
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,339
−HK$2,287/mo
Today · 4.125%
HK$88,626
baseline
▲ 0.50% · 4.625%
HK$93,298
+HK$4,672/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,252/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,176
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,199
−HK$3,071/mo
Today · 4.125%
HK$103,270
baseline
▲ 0.50% · 4.625%
HK$109,554
+HK$6,284/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,540/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,108
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$111,007
−HK$2,941/mo
Today · 4.125%
HK$113,948
baseline
▲ 0.50% · 4.625%
HK$119,955
+HK$6,007/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,896/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,220 · Scale 2, in force from 26 Feb 2026)