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$53,986
−HK$3,386/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$1,006,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,059
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,670
−HK$1,634/mo
Today · 4.125%
HK$63,304
baseline
▲ 0.50% · 4.625%
HK$66,641
+HK$3,337/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,608/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,784
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,799
−HK$2,047/mo
Today · 4.125%
HK$68,846
baseline
▲ 0.50% · 4.625%
HK$73,035
+HK$4,189/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,692/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,071
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,004
−HK$1,961/mo
Today · 4.125%
HK$75,965
baseline
▲ 0.50% · 4.625%
HK$79,969
+HK$4,004/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,930/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,581
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,932
−HK$2,389/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$1,006,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,083
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,338
−HK$2,288/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$1,006,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,176
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,198
−HK$3,071/mo
Today · 4.125%
HK$103,269
baseline
▲ 0.50% · 4.625%
HK$109,553
+HK$6,284/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,538/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,107
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,006
−HK$2,942/mo
Today · 4.125%
HK$113,948
baseline
▲ 0.50% · 4.625%
HK$119,954
+HK$6,006/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$1,006,214 · Scale 2, in force from 26 Feb 2026)