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$53,948
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,627
−HK$1,704/mo
Today · 4.125%
HK$57,331
baseline
▲ 0.50% · 4.625%
HK$60,820
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,662/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,017
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,627
−HK$1,633/mo
Today · 4.125%
HK$63,260
baseline
▲ 0.50% · 4.625%
HK$66,594
+HK$3,334/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,520/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,738
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,752
−HK$2,046/mo
Today · 4.125%
HK$68,798
baseline
▲ 0.50% · 4.625%
HK$72,984
+HK$4,186/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$137,596/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,021
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,952
−HK$1,960/mo
Today · 4.125%
HK$75,912
baseline
▲ 0.50% · 4.625%
HK$79,913
+HK$4,001/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$151,824/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,528
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,877
−HK$2,387/mo
Today · 4.125%
HK$80,264
baseline
▲ 0.50% · 4.625%
HK$85,148
+HK$4,884/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,528/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,024
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,277
−HK$2,286/mo
Today · 4.125%
HK$88,563
baseline
▲ 0.50% · 4.625%
HK$93,232
+HK$4,669/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,126/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,107
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,128
−HK$3,069/mo
Today · 4.125%
HK$103,197
baseline
▲ 0.50% · 4.625%
HK$109,476
+HK$6,279/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,394/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,031
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$110,928
−HK$2,939/mo
Today · 4.125%
HK$113,867
baseline
▲ 0.50% · 4.625%
HK$119,869
+HK$6,002/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,734/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,505 · Scale 2, in force from 26 Feb 2026)