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$53,976
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,655
−HK$1,706/mo
Today · 4.125%
HK$57,361
baseline
▲ 0.50% · 4.625%
HK$60,851
+HK$3,490/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,722/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,048
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,658
−HK$1,634/mo
Today · 4.125%
HK$63,292
baseline
▲ 0.50% · 4.625%
HK$66,628
+HK$3,336/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,584/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,771
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,786
−HK$2,047/mo
Today · 4.125%
HK$68,833
baseline
▲ 0.50% · 4.625%
HK$73,022
+HK$4,189/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,666/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,006,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,058
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,990
−HK$1,961/mo
Today · 4.125%
HK$75,951
baseline
▲ 0.50% · 4.625%
HK$79,954
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,902/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,006,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,567
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,917
−HK$2,388/mo
Today · 4.125%
HK$80,305
baseline
▲ 0.50% · 4.625%
HK$85,192
+HK$4,887/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,610/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,067
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,322
−HK$2,287/mo
Today · 4.125%
HK$88,609
baseline
▲ 0.50% · 4.625%
HK$93,280
+HK$4,671/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,218/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,157
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,179
−HK$3,071/mo
Today · 4.125%
HK$103,250
baseline
▲ 0.50% · 4.625%
HK$109,532
+HK$6,282/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,500/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,086
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$110,985
−HK$2,941/mo
Today · 4.125%
HK$113,926
baseline
▲ 0.50% · 4.625%
HK$119,931
+HK$6,005/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,852/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,022 · Scale 2, in force from 26 Feb 2026)