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$53,964
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,642
−HK$1,706/mo
Today · 4.125%
HK$57,348
baseline
▲ 0.50% · 4.625%
HK$60,837
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,696/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,034
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,644
−HK$1,634/mo
Today · 4.125%
HK$63,278
baseline
▲ 0.50% · 4.625%
HK$66,613
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,556/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,757
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,771
−HK$2,046/mo
Today · 4.125%
HK$68,817
baseline
▲ 0.50% · 4.625%
HK$73,005
+HK$4,188/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,634/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,041
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,973
−HK$1,960/mo
Today · 4.125%
HK$75,933
baseline
▲ 0.50% · 4.625%
HK$79,936
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,866/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,549
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,899
−HK$2,388/mo
Today · 4.125%
HK$80,287
baseline
▲ 0.50% · 4.625%
HK$85,172
+HK$4,885/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,574/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,048
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,302
−HK$2,287/mo
Today · 4.125%
HK$88,589
baseline
▲ 0.50% · 4.625%
HK$93,258
+HK$4,669/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,178/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,135
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,156
−HK$3,070/mo
Today · 4.125%
HK$103,226
baseline
▲ 0.50% · 4.625%
HK$109,507
+HK$6,281/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,452/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,062
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,960
−HK$2,940/mo
Today · 4.125%
HK$113,900
baseline
▲ 0.50% · 4.625%
HK$119,904
+HK$6,004/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,800/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,792 · Scale 2, in force from 26 Feb 2026)