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$54,009
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,689
−HK$1,707/mo
Today · 4.125%
HK$57,396
baseline
▲ 0.50% · 4.625%
HK$60,888
+HK$3,492/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,792/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,084
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,696
−HK$1,635/mo
Today · 4.125%
HK$63,331
baseline
▲ 0.50% · 4.625%
HK$66,669
+HK$3,338/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,662/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,811
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,827
−HK$2,048/mo
Today · 4.125%
HK$68,875
baseline
▲ 0.50% · 4.625%
HK$73,066
+HK$4,191/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,750/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,101
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,035
−HK$1,962/mo
Today · 4.125%
HK$75,997
baseline
▲ 0.50% · 4.625%
HK$80,003
+HK$4,006/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,994/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,613
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,965
−HK$2,389/mo
Today · 4.125%
HK$80,354
baseline
▲ 0.50% · 4.625%
HK$85,243
+HK$4,889/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$160,708/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,118
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,374
−HK$2,289/mo
Today · 4.125%
HK$88,663
baseline
▲ 0.50% · 4.625%
HK$93,336
+HK$4,673/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$177,326/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,216
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,240
−HK$3,072/mo
Today · 4.125%
HK$103,312
baseline
▲ 0.50% · 4.625%
HK$109,599
+HK$6,287/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,624/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,152
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,053
−HK$2,942/mo
Today · 4.125%
HK$113,995
baseline
▲ 0.50% · 4.625%
HK$120,004
+HK$6,009/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$227,990/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,634 · Scale 2, in force from 26 Feb 2026)