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$54,001
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,681
−HK$1,707/mo
Today · 4.125%
HK$57,388
baseline
▲ 0.50% · 4.625%
HK$60,880
+HK$3,492/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,776/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,076
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,687
−HK$1,635/mo
Today · 4.125%
HK$63,322
baseline
▲ 0.50% · 4.625%
HK$66,660
+HK$3,338/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,644/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,802
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,817
−HK$2,048/mo
Today · 4.125%
HK$68,865
baseline
▲ 0.50% · 4.625%
HK$73,056
+HK$4,191/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,730/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,091
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,025
−HK$1,961/mo
Today · 4.125%
HK$75,986
baseline
▲ 0.50% · 4.625%
HK$79,991
+HK$4,005/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,972/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,602
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,954
−HK$2,389/mo
Today · 4.125%
HK$80,343
baseline
▲ 0.50% · 4.625%
HK$85,232
+HK$4,889/mo
Deposit HK$7.10M · loan HK$16.58M · min. income ≈ HK$160,686/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,106
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,362
−HK$2,288/mo
Today · 4.125%
HK$88,650
baseline
▲ 0.50% · 4.625%
HK$93,323
+HK$4,673/mo
Deposit HK$7.10M · loan HK$16.58M · min. income ≈ HK$177,300/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,203
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$100,226
−HK$3,072/mo
Today · 4.125%
HK$103,298
baseline
▲ 0.50% · 4.625%
HK$109,583
+HK$6,285/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,596/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,137
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$111,037
−HK$2,942/mo
Today · 4.125%
HK$113,979
baseline
▲ 0.50% · 4.625%
HK$119,987
+HK$6,008/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,958/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,493 · Scale 2, in force from 26 Feb 2026)