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$53,984
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,663
−HK$1,706/mo
Today · 4.125%
HK$57,369
baseline
▲ 0.50% · 4.625%
HK$60,860
+HK$3,491/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,738/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,056
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,667
−HK$1,634/mo
Today · 4.125%
HK$63,301
baseline
▲ 0.50% · 4.625%
HK$66,637
+HK$3,336/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,602/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,780
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,795
−HK$2,048/mo
Today · 4.125%
HK$68,843
baseline
▲ 0.50% · 4.625%
HK$73,031
+HK$4,188/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,686/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,067
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,000
−HK$1,961/mo
Today · 4.125%
HK$75,961
baseline
▲ 0.50% · 4.625%
HK$79,965
+HK$4,004/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,922/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,577
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,928
−HK$2,388/mo
Today · 4.125%
HK$80,316
baseline
▲ 0.50% · 4.625%
HK$85,203
+HK$4,887/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,632/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,079
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,334
−HK$2,287/mo
Today · 4.125%
HK$88,621
baseline
▲ 0.50% · 4.625%
HK$93,292
+HK$4,671/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,242/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,170
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,193
−HK$3,071/mo
Today · 4.125%
HK$103,264
baseline
▲ 0.50% · 4.625%
HK$109,547
+HK$6,283/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,528/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,101
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$111,000
−HK$2,941/mo
Today · 4.125%
HK$113,941
baseline
▲ 0.50% · 4.625%
HK$119,947
+HK$6,006/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,882/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,160 · Scale 2, in force from 26 Feb 2026)