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$53,896
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,572
−HK$1,703/mo
Today · 4.125%
HK$57,275
baseline
▲ 0.50% · 4.625%
HK$60,760
+HK$3,485/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,550/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,958
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,566
−HK$1,632/mo
Today · 4.125%
HK$63,198
baseline
▲ 0.50% · 4.625%
HK$66,529
+HK$3,331/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,396/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,675
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,686
−HK$2,044/mo
Today · 4.125%
HK$68,730
baseline
▲ 0.50% · 4.625%
HK$72,912
+HK$4,182/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,460/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,950
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,880
−HK$1,957/mo
Today · 4.125%
HK$75,837
baseline
▲ 0.50% · 4.625%
HK$79,835
+HK$3,998/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,674/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,454
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,801
−HK$2,384/mo
Today · 4.125%
HK$80,185
baseline
▲ 0.50% · 4.625%
HK$85,065
+HK$4,880/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,370/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,942
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,193
−HK$2,284/mo
Today · 4.125%
HK$88,477
baseline
▲ 0.50% · 4.625%
HK$93,141
+HK$4,664/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$176,954/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,012
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,030
−HK$3,066/mo
Today · 4.125%
HK$103,096
baseline
▲ 0.50% · 4.625%
HK$109,369
+HK$6,273/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,192/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,925
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,819
−HK$2,937/mo
Today · 4.125%
HK$113,756
baseline
▲ 0.50% · 4.625%
HK$119,752
+HK$5,996/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,512/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,521 · Scale 2, in force from 26 Feb 2026)