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$54,082
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,764
−HK$1,709/mo
Today · 4.125%
HK$57,473
baseline
▲ 0.50% · 4.625%
HK$60,970
+HK$3,497/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,946/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,007,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,166
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,779
−HK$1,637/mo
Today · 4.125%
HK$63,416
baseline
▲ 0.50% · 4.625%
HK$66,759
+HK$3,343/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,832/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,007,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,898
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,917
−HK$2,051/mo
Today · 4.125%
HK$68,968
baseline
▲ 0.50% · 4.625%
HK$73,165
+HK$4,197/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,936/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,199
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,135
−HK$1,964/mo
Today · 4.125%
HK$76,099
baseline
▲ 0.50% · 4.625%
HK$80,111
+HK$4,012/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,198/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,715
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,070
−HK$2,393/mo
Today · 4.125%
HK$80,463
baseline
▲ 0.50% · 4.625%
HK$85,359
+HK$4,896/mo
Deposit HK$7.12M · loan HK$16.60M · min. income ≈ HK$160,926/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,232
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,491
−HK$2,292/mo
Today · 4.125%
HK$88,783
baseline
▲ 0.50% · 4.625%
HK$93,463
+HK$4,680/mo
Deposit HK$7.12M · loan HK$16.60M · min. income ≈ HK$177,566/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,348
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,376
−HK$3,076/mo
Today · 4.125%
HK$103,452
baseline
▲ 0.50% · 4.625%
HK$109,747
+HK$6,295/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,904/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,298
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,203
−HK$2,946/mo
Today · 4.125%
HK$114,149
baseline
▲ 0.50% · 4.625%
HK$120,166
+HK$6,017/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,298/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,994 · Scale 2, in force from 26 Feb 2026)