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$53,886
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,562
−HK$1,703/mo
Today · 4.125%
HK$57,265
baseline
▲ 0.50% · 4.625%
HK$60,749
+HK$3,484/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,530/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,947
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,555
−HK$1,631/mo
Today · 4.125%
HK$63,186
baseline
▲ 0.50% · 4.625%
HK$66,517
+HK$3,331/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,372/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,663
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,674
−HK$2,044/mo
Today · 4.125%
HK$68,718
baseline
▲ 0.50% · 4.625%
HK$72,899
+HK$4,181/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,436/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,937
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,866
−HK$1,957/mo
Today · 4.125%
HK$75,823
baseline
▲ 0.50% · 4.625%
HK$79,820
+HK$3,997/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,646/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,440
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,787
−HK$2,384/mo
Today · 4.125%
HK$80,171
baseline
▲ 0.50% · 4.625%
HK$85,049
+HK$4,878/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,342/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,926
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,177
−HK$2,283/mo
Today · 4.125%
HK$88,460
baseline
▲ 0.50% · 4.625%
HK$93,123
+HK$4,663/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,920/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,994
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,011
−HK$3,066/mo
Today · 4.125%
HK$103,077
baseline
▲ 0.50% · 4.625%
HK$109,349
+HK$6,272/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,154/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,905
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,799
−HK$2,936/mo
Today · 4.125%
HK$113,735
baseline
▲ 0.50% · 4.625%
HK$119,730
+HK$5,995/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,470/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,335 · Scale 2, in force from 26 Feb 2026)