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$54,069
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,751
−HK$1,708/mo
Today · 4.125%
HK$57,459
baseline
▲ 0.50% · 4.625%
HK$60,956
+HK$3,497/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,918/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,151
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,764
−HK$1,637/mo
Today · 4.125%
HK$63,401
baseline
▲ 0.50% · 4.625%
HK$66,743
+HK$3,342/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,802/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,882
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,901
−HK$2,050/mo
Today · 4.125%
HK$68,951
baseline
▲ 0.50% · 4.625%
HK$73,147
+HK$4,196/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$137,902/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,181
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,117
−HK$1,964/mo
Today · 4.125%
HK$76,081
baseline
▲ 0.50% · 4.625%
HK$80,091
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$152,162/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,696
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,051
−HK$2,392/mo
Today · 4.125%
HK$80,443
baseline
▲ 0.50% · 4.625%
HK$85,338
+HK$4,895/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,886/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,211
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,470
−HK$2,291/mo
Today · 4.125%
HK$88,761
baseline
▲ 0.50% · 4.625%
HK$93,440
+HK$4,679/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,522/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,324
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,351
−HK$3,076/mo
Today · 4.125%
HK$103,427
baseline
▲ 0.50% · 4.625%
HK$109,720
+HK$6,293/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,854/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,272
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,175
−HK$2,946/mo
Today · 4.125%
HK$114,121
baseline
▲ 0.50% · 4.625%
HK$120,137
+HK$6,016/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,242/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,747 · Scale 2, in force from 26 Feb 2026)