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$54,034
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,715
−HK$1,707/mo
Today · 4.125%
HK$57,422
baseline
▲ 0.50% · 4.625%
HK$60,916
+HK$3,494/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,844/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,112
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,725
−HK$1,635/mo
Today · 4.125%
HK$63,360
baseline
▲ 0.50% · 4.625%
HK$66,700
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,720/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,841
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,858
−HK$2,049/mo
Today · 4.125%
HK$68,907
baseline
▲ 0.50% · 4.625%
HK$73,100
+HK$4,193/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,814/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,135
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,069
−HK$1,963/mo
Today · 4.125%
HK$76,032
baseline
▲ 0.50% · 4.625%
HK$80,040
+HK$4,008/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,064/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,648
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$78,001
−HK$2,390/mo
Today · 4.125%
HK$80,391
baseline
▲ 0.50% · 4.625%
HK$85,283
+HK$4,892/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,782/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,157
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,414
−HK$2,290/mo
Today · 4.125%
HK$88,704
baseline
▲ 0.50% · 4.625%
HK$93,380
+HK$4,676/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,408/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,261
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,287
−HK$3,073/mo
Today · 4.125%
HK$103,360
baseline
▲ 0.50% · 4.625%
HK$109,650
+HK$6,290/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,720/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,202
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,104
−HK$2,944/mo
Today · 4.125%
HK$114,048
baseline
▲ 0.50% · 4.625%
HK$120,060
+HK$6,012/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,096/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,101 · Scale 2, in force from 26 Feb 2026)