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$54,089
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,772
−HK$1,709/mo
Today · 4.125%
HK$57,481
baseline
▲ 0.50% · 4.625%
HK$60,979
+HK$3,498/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,962/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,174
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,788
−HK$1,637/mo
Today · 4.125%
HK$63,425
baseline
▲ 0.50% · 4.625%
HK$66,768
+HK$3,343/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,850/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,907
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,926
−HK$2,052/mo
Today · 4.125%
HK$68,978
baseline
▲ 0.50% · 4.625%
HK$73,175
+HK$4,197/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,956/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,209
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,145
−HK$1,965/mo
Today · 4.125%
HK$76,110
baseline
▲ 0.50% · 4.625%
HK$80,122
+HK$4,012/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,220/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,725
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,081
−HK$2,393/mo
Today · 4.125%
HK$80,474
baseline
▲ 0.50% · 4.625%
HK$85,371
+HK$4,897/mo
Deposit HK$7.12M · loan HK$16.60M · min. income ≈ HK$160,948/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,008,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,244
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,503
−HK$2,292/mo
Today · 4.125%
HK$88,795
baseline
▲ 0.50% · 4.625%
HK$93,476
+HK$4,681/mo
Deposit HK$7.12M · loan HK$16.60M · min. income ≈ HK$177,590/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,008,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,361
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,390
−HK$3,076/mo
Today · 4.125%
HK$103,466
baseline
▲ 0.50% · 4.625%
HK$109,762
+HK$6,296/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,932/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,313
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,218
−HK$2,947/mo
Today · 4.125%
HK$114,165
baseline
▲ 0.50% · 4.625%
HK$120,183
+HK$6,018/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,330/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,134 · Scale 2, in force from 26 Feb 2026)