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$53,939
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,616
−HK$1,705/mo
Today · 4.125%
HK$57,321
baseline
▲ 0.50% · 4.625%
HK$60,809
+HK$3,488/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,642/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,006
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,615
−HK$1,633/mo
Today · 4.125%
HK$63,248
baseline
▲ 0.50% · 4.625%
HK$66,582
+HK$3,334/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,496/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,726
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,740
−HK$2,045/mo
Today · 4.125%
HK$68,785
baseline
▲ 0.50% · 4.625%
HK$72,971
+HK$4,186/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,570/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,007
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,938
−HK$1,960/mo
Today · 4.125%
HK$75,898
baseline
▲ 0.50% · 4.625%
HK$79,898
+HK$4,000/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,796/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,514
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,863
−HK$2,386/mo
Today · 4.125%
HK$80,249
baseline
▲ 0.50% · 4.625%
HK$85,132
+HK$4,883/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,498/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,008
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,262
−HK$2,285/mo
Today · 4.125%
HK$88,547
baseline
▲ 0.50% · 4.625%
HK$93,215
+HK$4,668/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,094/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,089
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,109
−HK$3,069/mo
Today · 4.125%
HK$103,178
baseline
▲ 0.50% · 4.625%
HK$109,456
+HK$6,278/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,356/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,011
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,908
−HK$2,938/mo
Today · 4.125%
HK$113,846
baseline
▲ 0.50% · 4.625%
HK$119,847
+HK$6,001/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,692/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,320 · Scale 2, in force from 26 Feb 2026)