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$53,956
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,634
−HK$1,705/mo
Today · 4.125%
HK$57,339
baseline
▲ 0.50% · 4.625%
HK$60,828
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,678/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,025
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,635
−HK$1,633/mo
Today · 4.125%
HK$63,268
baseline
▲ 0.50% · 4.625%
HK$66,603
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,536/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,747
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,761
−HK$2,046/mo
Today · 4.125%
HK$68,807
baseline
▲ 0.50% · 4.625%
HK$72,994
+HK$4,187/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$137,614/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,031
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,962
−HK$1,960/mo
Today · 4.125%
HK$75,922
baseline
▲ 0.50% · 4.625%
HK$79,924
+HK$4,002/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$151,844/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,538
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,888
−HK$2,387/mo
Today · 4.125%
HK$80,275
baseline
▲ 0.50% · 4.625%
HK$85,160
+HK$4,885/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,550/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,036
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,289
−HK$2,287/mo
Today · 4.125%
HK$88,576
baseline
▲ 0.50% · 4.625%
HK$93,245
+HK$4,669/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,152/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,121
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,142
−HK$3,069/mo
Today · 4.125%
HK$103,211
baseline
▲ 0.50% · 4.625%
HK$109,491
+HK$6,280/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,422/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,046
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,944
−HK$2,939/mo
Today · 4.125%
HK$113,883
baseline
▲ 0.50% · 4.625%
HK$119,886
+HK$6,003/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,766/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,645 · Scale 2, in force from 26 Feb 2026)