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$54,014
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,694
−HK$1,707/mo
Today · 4.125%
HK$57,401
baseline
▲ 0.50% · 4.625%
HK$60,893
+HK$3,492/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,802/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,090
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,701
−HK$1,635/mo
Today · 4.125%
HK$63,336
baseline
▲ 0.50% · 4.625%
HK$66,675
+HK$3,339/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,672/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,816
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,832
−HK$2,049/mo
Today · 4.125%
HK$68,881
baseline
▲ 0.50% · 4.625%
HK$73,072
+HK$4,191/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,762/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,107
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,041
−HK$1,962/mo
Today · 4.125%
HK$76,003
baseline
▲ 0.50% · 4.625%
HK$80,009
+HK$4,006/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$152,006/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,619
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$77,971
−HK$2,390/mo
Today · 4.125%
HK$80,361
baseline
▲ 0.50% · 4.625%
HK$85,251
+HK$4,890/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$160,722/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,125
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,382
−HK$2,288/mo
Today · 4.125%
HK$88,670
baseline
▲ 0.50% · 4.625%
HK$93,344
+HK$4,674/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$177,340/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,224
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$100,249
−HK$3,072/mo
Today · 4.125%
HK$103,321
baseline
▲ 0.50% · 4.625%
HK$109,608
+HK$6,287/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,642/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,161
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$111,062
−HK$2,943/mo
Today · 4.125%
HK$114,005
baseline
▲ 0.50% · 4.625%
HK$120,014
+HK$6,009/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,010/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,719 · Scale 2, in force from 26 Feb 2026)