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$53,957
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,636
−HK$1,705/mo
Today · 4.125%
HK$57,341
baseline
▲ 0.50% · 4.625%
HK$60,830
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,682/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,027
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,637
−HK$1,633/mo
Today · 4.125%
HK$63,270
baseline
▲ 0.50% · 4.625%
HK$66,605
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,540/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,749
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,763
−HK$2,046/mo
Today · 4.125%
HK$68,809
baseline
▲ 0.50% · 4.625%
HK$72,996
+HK$4,187/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,618/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,033
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,964
−HK$1,960/mo
Today · 4.125%
HK$75,924
baseline
▲ 0.50% · 4.625%
HK$79,926
+HK$4,002/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,848/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,540
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,890
−HK$2,387/mo
Today · 4.125%
HK$80,277
baseline
▲ 0.50% · 4.625%
HK$85,162
+HK$4,885/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,554/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,038
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,292
−HK$2,286/mo
Today · 4.125%
HK$88,578
baseline
▲ 0.50% · 4.625%
HK$93,247
+HK$4,669/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,156/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,123
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,145
−HK$3,069/mo
Today · 4.125%
HK$103,214
baseline
▲ 0.50% · 4.625%
HK$109,494
+HK$6,280/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,428/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,049
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,947
−HK$2,939/mo
Today · 4.125%
HK$113,886
baseline
▲ 0.50% · 4.625%
HK$119,889
+HK$6,003/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,772/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,673 · Scale 2, in force from 26 Feb 2026)