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$54,113
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,796
−HK$1,710/mo
Today · 4.125%
HK$57,506
baseline
▲ 0.50% · 4.625%
HK$61,005
+HK$3,499/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,012/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,200
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,815
−HK$1,638/mo
Today · 4.125%
HK$63,453
baseline
▲ 0.50% · 4.625%
HK$66,797
+HK$3,344/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,906/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,936
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,955
−HK$2,053/mo
Today · 4.125%
HK$69,008
baseline
▲ 0.50% · 4.625%
HK$73,207
+HK$4,199/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,016/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,240
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,178
−HK$1,965/mo
Today · 4.125%
HK$76,143
baseline
▲ 0.50% · 4.625%
HK$80,157
+HK$4,014/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,286/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,758
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,115
−HK$2,394/mo
Today · 4.125%
HK$80,509
baseline
▲ 0.50% · 4.625%
HK$85,408
+HK$4,899/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$161,018/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,280
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,541
−HK$2,293/mo
Today · 4.125%
HK$88,834
baseline
▲ 0.50% · 4.625%
HK$93,516
+HK$4,682/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,668/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,403
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$100,433
−HK$3,078/mo
Today · 4.125%
HK$103,511
baseline
▲ 0.50% · 4.625%
HK$109,810
+HK$6,299/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,022/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,360
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,266
−HK$2,949/mo
Today · 4.125%
HK$114,215
baseline
▲ 0.50% · 4.625%
HK$120,235
+HK$6,020/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,430/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,572 · Scale 2, in force from 26 Feb 2026)