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$53,978
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,657
−HK$1,706/mo
Today · 4.125%
HK$57,363
baseline
▲ 0.50% · 4.625%
HK$60,853
+HK$3,490/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,726/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,050
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,661
−HK$1,633/mo
Today · 4.125%
HK$63,294
baseline
▲ 0.50% · 4.625%
HK$66,631
+HK$3,337/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,588/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,774
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,788
−HK$2,048/mo
Today · 4.125%
HK$68,836
baseline
▲ 0.50% · 4.625%
HK$73,024
+HK$4,188/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,672/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,006,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,060
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,993
−HK$1,960/mo
Today · 4.125%
HK$75,953
baseline
▲ 0.50% · 4.625%
HK$79,957
+HK$4,004/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,906/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,006,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,569
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,920
−HK$2,388/mo
Today · 4.125%
HK$80,308
baseline
▲ 0.50% · 4.625%
HK$85,195
+HK$4,887/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,616/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,070
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,325
−HK$2,287/mo
Today · 4.125%
HK$88,612
baseline
▲ 0.50% · 4.625%
HK$93,283
+HK$4,671/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,224/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,160
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,183
−HK$3,070/mo
Today · 4.125%
HK$103,253
baseline
▲ 0.50% · 4.625%
HK$109,536
+HK$6,283/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,506/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,090
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$110,989
−HK$2,941/mo
Today · 4.125%
HK$113,930
baseline
▲ 0.50% · 4.625%
HK$119,935
+HK$6,005/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,860/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,057 · Scale 2, in force from 26 Feb 2026)