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$53,946
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,624
−HK$1,705/mo
Today · 4.125%
HK$57,329
baseline
▲ 0.50% · 4.625%
HK$60,817
+HK$3,488/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,658/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,015
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,624
−HK$1,633/mo
Today · 4.125%
HK$63,257
baseline
▲ 0.50% · 4.625%
HK$66,591
+HK$3,334/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,514/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,735
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,749
−HK$2,046/mo
Today · 4.125%
HK$68,795
baseline
▲ 0.50% · 4.625%
HK$72,981
+HK$4,186/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,590/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,017
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,949
−HK$1,959/mo
Today · 4.125%
HK$75,908
baseline
▲ 0.50% · 4.625%
HK$79,910
+HK$4,002/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,816/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,525
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,874
−HK$2,387/mo
Today · 4.125%
HK$80,261
baseline
▲ 0.50% · 4.625%
HK$85,144
+HK$4,883/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,522/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,020
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,274
−HK$2,286/mo
Today · 4.125%
HK$88,560
baseline
▲ 0.50% · 4.625%
HK$93,228
+HK$4,668/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,120/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,103
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,123
−HK$3,069/mo
Today · 4.125%
HK$103,192
baseline
▲ 0.50% · 4.625%
HK$109,471
+HK$6,279/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,384/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,026
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$110,923
−HK$2,939/mo
Today · 4.125%
HK$113,862
baseline
▲ 0.50% · 4.625%
HK$119,864
+HK$6,002/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,724/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,462 · Scale 2, in force from 26 Feb 2026)