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$53,991
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,670
−HK$1,707/mo
Today · 4.125%
HK$57,377
baseline
▲ 0.50% · 4.625%
HK$60,868
+HK$3,491/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,754/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,064
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,675
−HK$1,634/mo
Today · 4.125%
HK$63,309
baseline
▲ 0.50% · 4.625%
HK$66,646
+HK$3,337/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,618/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,789
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,804
−HK$2,048/mo
Today · 4.125%
HK$68,852
baseline
▲ 0.50% · 4.625%
HK$73,041
+HK$4,189/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,704/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,077
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,010
−HK$1,961/mo
Today · 4.125%
HK$75,971
baseline
▲ 0.50% · 4.625%
HK$79,976
+HK$4,005/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,942/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,587
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,938
−HK$2,389/mo
Today · 4.125%
HK$80,327
baseline
▲ 0.50% · 4.625%
HK$85,215
+HK$4,888/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,654/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,090
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,345
−HK$2,288/mo
Today · 4.125%
HK$88,633
baseline
▲ 0.50% · 4.625%
HK$93,305
+HK$4,672/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,266/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,184
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,206
−HK$3,072/mo
Today · 4.125%
HK$103,278
baseline
▲ 0.50% · 4.625%
HK$109,562
+HK$6,284/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,556/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,116
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,015
−HK$2,942/mo
Today · 4.125%
HK$113,957
baseline
▲ 0.50% · 4.625%
HK$119,964
+HK$6,007/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,914/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,295 · Scale 2, in force from 26 Feb 2026)