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$53,993
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,672
−HK$1,707/mo
Today · 4.125%
HK$57,379
baseline
▲ 0.50% · 4.625%
HK$60,870
+HK$3,491/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,758/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,067
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,677
−HK$1,635/mo
Today · 4.125%
HK$63,312
baseline
▲ 0.50% · 4.625%
HK$66,649
+HK$3,337/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,624/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,791
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,807
−HK$2,047/mo
Today · 4.125%
HK$68,854
baseline
▲ 0.50% · 4.625%
HK$73,044
+HK$4,190/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,708/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,080
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,013
−HK$1,961/mo
Today · 4.125%
HK$75,974
baseline
▲ 0.50% · 4.625%
HK$79,979
+HK$4,005/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,948/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,590
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,941
−HK$2,389/mo
Today · 4.125%
HK$80,330
baseline
▲ 0.50% · 4.625%
HK$85,218
+HK$4,888/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,660/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,093
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,348
−HK$2,288/mo
Today · 4.125%
HK$88,636
baseline
▲ 0.50% · 4.625%
HK$93,309
+HK$4,673/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,272/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,187
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$100,210
−HK$3,072/mo
Today · 4.125%
HK$103,282
baseline
▲ 0.50% · 4.625%
HK$109,566
+HK$6,284/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,564/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,120
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,019
−HK$2,942/mo
Today · 4.125%
HK$113,961
baseline
▲ 0.50% · 4.625%
HK$119,968
+HK$6,007/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,922/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,334 · Scale 2, in force from 26 Feb 2026)