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$53,968
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,647
−HK$1,706/mo
Today · 4.125%
HK$57,353
baseline
▲ 0.50% · 4.625%
HK$60,842
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,706/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,039
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,649
−HK$1,634/mo
Today · 4.125%
HK$63,283
baseline
▲ 0.50% · 4.625%
HK$66,619
+HK$3,336/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,566/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,762
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,776
−HK$2,047/mo
Today · 4.125%
HK$68,823
baseline
▲ 0.50% · 4.625%
HK$73,011
+HK$4,188/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,646/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,047
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,979
−HK$1,960/mo
Today · 4.125%
HK$75,939
baseline
▲ 0.50% · 4.625%
HK$79,942
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,878/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,556
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,906
−HK$2,388/mo
Today · 4.125%
HK$80,294
baseline
▲ 0.50% · 4.625%
HK$85,179
+HK$4,885/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,588/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,055
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,309
−HK$2,287/mo
Today · 4.125%
HK$88,596
baseline
▲ 0.50% · 4.625%
HK$93,266
+HK$4,670/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,192/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,143
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,165
−HK$3,070/mo
Today · 4.125%
HK$103,235
baseline
▲ 0.50% · 4.625%
HK$109,516
+HK$6,281/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,470/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,070
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,969
−HK$2,940/mo
Today · 4.125%
HK$113,909
baseline
▲ 0.50% · 4.625%
HK$119,913
+HK$6,004/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,818/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,874 · Scale 2, in force from 26 Feb 2026)