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$54,064
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,746
−HK$1,708/mo
Today · 4.125%
HK$57,454
baseline
▲ 0.50% · 4.625%
HK$60,950
+HK$3,496/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,908/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,146
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,759
−HK$1,636/mo
Today · 4.125%
HK$63,395
baseline
▲ 0.50% · 4.625%
HK$66,737
+HK$3,342/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,790/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,877
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,895
−HK$2,050/mo
Today · 4.125%
HK$68,945
baseline
▲ 0.50% · 4.625%
HK$73,140
+HK$4,195/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$137,890/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,175
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,111
−HK$1,963/mo
Today · 4.125%
HK$76,074
baseline
▲ 0.50% · 4.625%
HK$80,084
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$152,148/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,690
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,044
−HK$2,392/mo
Today · 4.125%
HK$80,436
baseline
▲ 0.50% · 4.625%
HK$85,331
+HK$4,895/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,872/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,204
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,462
−HK$2,291/mo
Today · 4.125%
HK$88,753
baseline
▲ 0.50% · 4.625%
HK$93,432
+HK$4,679/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,506/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,315
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,343
−HK$3,075/mo
Today · 4.125%
HK$103,418
baseline
▲ 0.50% · 4.625%
HK$109,711
+HK$6,293/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,836/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,262
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,166
−HK$2,946/mo
Today · 4.125%
HK$114,112
baseline
▲ 0.50% · 4.625%
HK$120,127
+HK$6,015/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,224/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,662 · Scale 2, in force from 26 Feb 2026)