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$54,098
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,781
−HK$1,710/mo
Today · 4.125%
HK$57,491
baseline
▲ 0.50% · 4.625%
HK$60,989
+HK$3,498/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,982/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,184
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,798
−HK$1,637/mo
Today · 4.125%
HK$63,435
baseline
▲ 0.50% · 4.625%
HK$66,779
+HK$3,344/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,870/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,918
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,937
−HK$2,052/mo
Today · 4.125%
HK$68,989
baseline
▲ 0.50% · 4.625%
HK$73,186
+HK$4,197/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,978/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,220
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,157
−HK$1,965/mo
Today · 4.125%
HK$76,122
baseline
▲ 0.50% · 4.625%
HK$80,135
+HK$4,013/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,244/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,737
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,093
−HK$2,394/mo
Today · 4.125%
HK$80,487
baseline
▲ 0.50% · 4.625%
HK$85,384
+HK$4,897/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$160,974/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,257
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,517
−HK$2,292/mo
Today · 4.125%
HK$88,809
baseline
▲ 0.50% · 4.625%
HK$93,490
+HK$4,681/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,618/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,377
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,406
−HK$3,077/mo
Today · 4.125%
HK$103,483
baseline
▲ 0.50% · 4.625%
HK$109,780
+HK$6,297/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,966/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,330
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,236
−HK$2,947/mo
Today · 4.125%
HK$114,183
baseline
▲ 0.50% · 4.625%
HK$120,202
+HK$6,019/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,366/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,295 · Scale 2, in force from 26 Feb 2026)