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$54,020
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,700
−HK$1,707/mo
Today · 4.125%
HK$57,407
baseline
▲ 0.50% · 4.625%
HK$60,901
+HK$3,494/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,814/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,097
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,708
−HK$1,635/mo
Today · 4.125%
HK$63,343
baseline
▲ 0.50% · 4.625%
HK$66,682
+HK$3,339/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,686/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,824
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,840
−HK$2,049/mo
Today · 4.125%
HK$68,889
baseline
▲ 0.50% · 4.625%
HK$73,081
+HK$4,192/mo
Deposit HK$9.48M · loan HK$14.21M · min. income ≈ HK$137,778/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,116
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,050
−HK$1,962/mo
Today · 4.125%
HK$76,012
baseline
▲ 0.50% · 4.625%
HK$80,019
+HK$4,007/mo
Deposit HK$9.48M · loan HK$14.21M · min. income ≈ HK$152,024/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,628
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$77,980
−HK$2,390/mo
Today · 4.125%
HK$80,370
baseline
▲ 0.50% · 4.625%
HK$85,261
+HK$4,891/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$160,740/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,135
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,392
−HK$2,289/mo
Today · 4.125%
HK$88,681
baseline
▲ 0.50% · 4.625%
HK$93,355
+HK$4,674/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$177,362/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,236
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$100,260
−HK$3,073/mo
Today · 4.125%
HK$103,333
baseline
▲ 0.50% · 4.625%
HK$109,621
+HK$6,288/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,666/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,174
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$111,075
−HK$2,943/mo
Today · 4.125%
HK$114,018
baseline
▲ 0.50% · 4.625%
HK$120,028
+HK$6,010/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,036/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,837 · Scale 2, in force from 26 Feb 2026)