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$54,006
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,685
−HK$1,707/mo
Today · 4.125%
HK$57,392
baseline
▲ 0.50% · 4.625%
HK$60,884
+HK$3,492/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,784/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,081
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,692
−HK$1,635/mo
Today · 4.125%
HK$63,327
baseline
▲ 0.50% · 4.625%
HK$66,665
+HK$3,338/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,654/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,807
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,823
−HK$2,048/mo
Today · 4.125%
HK$68,871
baseline
▲ 0.50% · 4.625%
HK$73,061
+HK$4,190/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,742/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,097
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,030
−HK$1,962/mo
Today · 4.125%
HK$75,992
baseline
▲ 0.50% · 4.625%
HK$79,998
+HK$4,006/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,984/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,608
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,960
−HK$2,389/mo
Today · 4.125%
HK$80,349
baseline
▲ 0.50% · 4.625%
HK$85,238
+HK$4,889/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$160,698/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,113
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,369
−HK$2,288/mo
Today · 4.125%
HK$88,657
baseline
▲ 0.50% · 4.625%
HK$93,331
+HK$4,674/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$177,314/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,210
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,234
−HK$3,072/mo
Today · 4.125%
HK$103,306
baseline
▲ 0.50% · 4.625%
HK$109,592
+HK$6,286/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,612/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,145
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,046
−HK$2,942/mo
Today · 4.125%
HK$113,988
baseline
▲ 0.50% · 4.625%
HK$119,996
+HK$6,008/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$227,976/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,571 · Scale 2, in force from 26 Feb 2026)