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$53,928
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,606
−HK$1,704/mo
Today · 4.125%
HK$57,310
baseline
▲ 0.50% · 4.625%
HK$60,797
+HK$3,487/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,620/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,995
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,604
−HK$1,632/mo
Today · 4.125%
HK$63,236
baseline
▲ 0.50% · 4.625%
HK$66,570
+HK$3,334/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,472/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,714
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,727
−HK$2,045/mo
Today · 4.125%
HK$68,772
baseline
▲ 0.50% · 4.625%
HK$72,957
+HK$4,185/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,544/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,994
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,925
−HK$1,958/mo
Today · 4.125%
HK$75,883
baseline
▲ 0.50% · 4.625%
HK$79,883
+HK$4,000/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,766/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,500
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,848
−HK$2,386/mo
Today · 4.125%
HK$80,234
baseline
▲ 0.50% · 4.625%
HK$85,116
+HK$4,882/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,468/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,993
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,246
−HK$2,285/mo
Today · 4.125%
HK$88,531
baseline
▲ 0.50% · 4.625%
HK$93,197
+HK$4,666/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,062/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,071
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,091
−HK$3,068/mo
Today · 4.125%
HK$103,159
baseline
▲ 0.50% · 4.625%
HK$109,435
+HK$6,276/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,318/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,991
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,887
−HK$2,938/mo
Today · 4.125%
HK$113,825
baseline
▲ 0.50% · 4.625%
HK$119,825
+HK$6,000/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,650/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,133 · Scale 2, in force from 26 Feb 2026)