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$54,001
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,681
−HK$1,706/mo
Today · 4.125%
HK$57,387
baseline
▲ 0.50% · 4.625%
HK$60,879
+HK$3,492/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,774/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,075
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,687
−HK$1,634/mo
Today · 4.125%
HK$63,321
baseline
▲ 0.50% · 4.625%
HK$66,659
+HK$3,338/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,642/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,801
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,817
−HK$2,048/mo
Today · 4.125%
HK$68,865
baseline
▲ 0.50% · 4.625%
HK$73,055
+HK$4,190/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,730/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,090
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,024
−HK$1,961/mo
Today · 4.125%
HK$75,985
baseline
▲ 0.50% · 4.625%
HK$79,991
+HK$4,006/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,970/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,601
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,953
−HK$2,389/mo
Today · 4.125%
HK$80,342
baseline
▲ 0.50% · 4.625%
HK$85,231
+HK$4,889/mo
Deposit HK$7.10M · loan HK$16.58M · min. income ≈ HK$160,684/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,106
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,361
−HK$2,288/mo
Today · 4.125%
HK$88,649
baseline
▲ 0.50% · 4.625%
HK$93,322
+HK$4,673/mo
Deposit HK$7.10M · loan HK$16.58M · min. income ≈ HK$177,298/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,201
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,225
−HK$3,072/mo
Today · 4.125%
HK$103,297
baseline
▲ 0.50% · 4.625%
HK$109,582
+HK$6,285/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,594/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,136
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$111,036
−HK$2,942/mo
Today · 4.125%
HK$113,978
baseline
▲ 0.50% · 4.625%
HK$119,986
+HK$6,008/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,956/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,481 · Scale 2, in force from 26 Feb 2026)