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$53,889
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,565
−HK$1,704/mo
Today · 4.125%
HK$57,269
baseline
▲ 0.50% · 4.625%
HK$60,753
+HK$3,484/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,538/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,951
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,559
−HK$1,631/mo
Today · 4.125%
HK$63,190
baseline
▲ 0.50% · 4.625%
HK$66,521
+HK$3,331/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,380/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,667
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,679
−HK$2,043/mo
Today · 4.125%
HK$68,722
baseline
▲ 0.50% · 4.625%
HK$72,904
+HK$4,182/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,444/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,941
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,871
−HK$1,957/mo
Today · 4.125%
HK$75,828
baseline
▲ 0.50% · 4.625%
HK$79,825
+HK$3,997/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,656/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,445
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,792
−HK$2,384/mo
Today · 4.125%
HK$80,176
baseline
▲ 0.50% · 4.625%
HK$85,054
+HK$4,878/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,352/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,932
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,183
−HK$2,283/mo
Today · 4.125%
HK$88,466
baseline
▲ 0.50% · 4.625%
HK$93,129
+HK$4,663/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,932/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,001
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,018
−HK$3,065/mo
Today · 4.125%
HK$103,083
baseline
▲ 0.50% · 4.625%
HK$109,356
+HK$6,273/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,166/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,912
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,806
−HK$2,936/mo
Today · 4.125%
HK$113,742
baseline
▲ 0.50% · 4.625%
HK$119,738
+HK$5,996/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,484/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,401 · Scale 2, in force from 26 Feb 2026)