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$53,951
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,629
−HK$1,705/mo
Today · 4.125%
HK$57,334
baseline
▲ 0.50% · 4.625%
HK$60,822
+HK$3,488/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,668/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,020
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,629
−HK$1,633/mo
Today · 4.125%
HK$63,262
baseline
▲ 0.50% · 4.625%
HK$66,597
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,524/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,741
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,755
−HK$2,046/mo
Today · 4.125%
HK$68,801
baseline
▲ 0.50% · 4.625%
HK$72,987
+HK$4,186/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$137,602/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,023
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,955
−HK$1,960/mo
Today · 4.125%
HK$75,915
baseline
▲ 0.50% · 4.625%
HK$79,916
+HK$4,001/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$151,830/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,531
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,880
−HK$2,387/mo
Today · 4.125%
HK$80,267
baseline
▲ 0.50% · 4.625%
HK$85,151
+HK$4,884/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,534/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,027
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,281
−HK$2,286/mo
Today · 4.125%
HK$88,567
baseline
▲ 0.50% · 4.625%
HK$93,236
+HK$4,669/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,134/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,111
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,132
−HK$3,069/mo
Today · 4.125%
HK$103,201
baseline
▲ 0.50% · 4.625%
HK$109,480
+HK$6,279/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,402/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,035
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,933
−HK$2,939/mo
Today · 4.125%
HK$113,872
baseline
▲ 0.50% · 4.625%
HK$119,874
+HK$6,002/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,744/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,546 · Scale 2, in force from 26 Feb 2026)