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$53,954
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,632
−HK$1,705/mo
Today · 4.125%
HK$57,337
baseline
▲ 0.50% · 4.625%
HK$60,826
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,674/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,023
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,633
−HK$1,633/mo
Today · 4.125%
HK$63,266
baseline
▲ 0.50% · 4.625%
HK$66,601
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,532/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,745
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,759
−HK$2,046/mo
Today · 4.125%
HK$68,805
baseline
▲ 0.50% · 4.625%
HK$72,991
+HK$4,186/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$137,610/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,028
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,960
−HK$1,959/mo
Today · 4.125%
HK$75,919
baseline
▲ 0.50% · 4.625%
HK$79,921
+HK$4,002/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$151,838/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,536
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,885
−HK$2,387/mo
Today · 4.125%
HK$80,272
baseline
▲ 0.50% · 4.625%
HK$85,157
+HK$4,885/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,544/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,032
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,286
−HK$2,287/mo
Today · 4.125%
HK$88,573
baseline
▲ 0.50% · 4.625%
HK$93,241
+HK$4,668/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,146/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,117
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,138
−HK$3,069/mo
Today · 4.125%
HK$103,207
baseline
▲ 0.50% · 4.625%
HK$109,487
+HK$6,280/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,414/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,042
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,939
−HK$2,940/mo
Today · 4.125%
HK$113,879
baseline
▲ 0.50% · 4.625%
HK$119,882
+HK$6,003/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,758/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,608 · Scale 2, in force from 26 Feb 2026)