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$54,106
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,789
−HK$1,710/mo
Today · 4.125%
HK$57,499
baseline
▲ 0.50% · 4.625%
HK$60,998
+HK$3,499/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,998/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,192
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,807
−HK$1,637/mo
Today · 4.125%
HK$63,444
baseline
▲ 0.50% · 4.625%
HK$66,789
+HK$3,345/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,888/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,927
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,947
−HK$2,052/mo
Today · 4.125%
HK$68,999
baseline
▲ 0.50% · 4.625%
HK$73,197
+HK$4,198/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$137,998/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,231
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,168
−HK$1,965/mo
Today · 4.125%
HK$76,133
baseline
▲ 0.50% · 4.625%
HK$80,146
+HK$4,013/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,266/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,748
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,105
−HK$2,394/mo
Today · 4.125%
HK$80,499
baseline
▲ 0.50% · 4.625%
HK$85,397
+HK$4,898/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$160,998/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,269
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,529
−HK$2,293/mo
Today · 4.125%
HK$88,822
baseline
▲ 0.50% · 4.625%
HK$93,504
+HK$4,682/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,644/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,391
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,420
−HK$3,078/mo
Today · 4.125%
HK$103,498
baseline
▲ 0.50% · 4.625%
HK$109,796
+HK$6,298/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$206,996/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,346
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$111,252
−HK$2,948/mo
Today · 4.125%
HK$114,200
baseline
▲ 0.50% · 4.625%
HK$120,220
+HK$6,020/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,400/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,443 · Scale 2, in force from 26 Feb 2026)