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$53,915
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,592
−HK$1,704/mo
Today · 4.125%
HK$57,296
baseline
▲ 0.50% · 4.625%
HK$60,782
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,592/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,980
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,589
−HK$1,632/mo
Today · 4.125%
HK$63,221
baseline
▲ 0.50% · 4.625%
HK$66,553
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,442/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,698
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,711
−HK$2,044/mo
Today · 4.125%
HK$68,755
baseline
▲ 0.50% · 4.625%
HK$72,939
+HK$4,184/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,510/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,976
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,906
−HK$1,959/mo
Today · 4.125%
HK$75,865
baseline
▲ 0.50% · 4.625%
HK$79,864
+HK$3,999/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,730/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,481
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,829
−HK$2,386/mo
Today · 4.125%
HK$80,215
baseline
▲ 0.50% · 4.625%
HK$85,095
+HK$4,880/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,430/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,972
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,224
−HK$2,285/mo
Today · 4.125%
HK$88,509
baseline
▲ 0.50% · 4.625%
HK$93,174
+HK$4,665/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,018/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,047
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,066
−HK$3,067/mo
Today · 4.125%
HK$103,133
baseline
▲ 0.50% · 4.625%
HK$109,408
+HK$6,275/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,266/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,964
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,860
−HK$2,937/mo
Today · 4.125%
HK$113,797
baseline
▲ 0.50% · 4.625%
HK$119,796
+HK$5,999/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,594/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,886 · Scale 2, in force from 26 Feb 2026)