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$54,030
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,710
−HK$1,708/mo
Today · 4.125%
HK$57,418
baseline
▲ 0.50% · 4.625%
HK$60,911
+HK$3,493/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,836/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,007,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,107
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,719
−HK$1,636/mo
Today · 4.125%
HK$63,355
baseline
▲ 0.50% · 4.625%
HK$66,694
+HK$3,339/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,710/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,007,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,835
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,852
−HK$2,049/mo
Today · 4.125%
HK$68,901
baseline
▲ 0.50% · 4.625%
HK$73,094
+HK$4,193/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,802/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,007,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,129
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,063
−HK$1,963/mo
Today · 4.125%
HK$76,026
baseline
▲ 0.50% · 4.625%
HK$80,033
+HK$4,007/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,052/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,007,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,641
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$77,994
−HK$2,391/mo
Today · 4.125%
HK$80,385
baseline
▲ 0.50% · 4.625%
HK$85,276
+HK$4,891/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,770/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,150
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,407
−HK$2,290/mo
Today · 4.125%
HK$88,697
baseline
▲ 0.50% · 4.625%
HK$93,372
+HK$4,675/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,394/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,253
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,278
−HK$3,074/mo
Today · 4.125%
HK$103,352
baseline
▲ 0.50% · 4.625%
HK$109,640
+HK$6,288/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,704/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,193
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,095
−HK$2,943/mo
Today · 4.125%
HK$114,038
baseline
▲ 0.50% · 4.625%
HK$120,050
+HK$6,012/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,076/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,016 · Scale 2, in force from 26 Feb 2026)