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$54,069
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,751
−HK$1,709/mo
Today · 4.125%
HK$57,460
baseline
▲ 0.50% · 4.625%
HK$60,956
+HK$3,496/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,920/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,152
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,765
−HK$1,636/mo
Today · 4.125%
HK$63,401
baseline
▲ 0.50% · 4.625%
HK$66,743
+HK$3,342/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,802/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,883
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,901
−HK$2,051/mo
Today · 4.125%
HK$68,952
baseline
▲ 0.50% · 4.625%
HK$73,148
+HK$4,196/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$137,904/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,182
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,118
−HK$1,964/mo
Today · 4.125%
HK$76,082
baseline
▲ 0.50% · 4.625%
HK$80,092
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$152,164/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,697
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,052
−HK$2,392/mo
Today · 4.125%
HK$80,444
baseline
▲ 0.50% · 4.625%
HK$85,339
+HK$4,895/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,888/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,212
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,471
−HK$2,291/mo
Today · 4.125%
HK$88,762
baseline
▲ 0.50% · 4.625%
HK$93,441
+HK$4,679/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,524/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,325
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,352
−HK$3,076/mo
Today · 4.125%
HK$103,428
baseline
▲ 0.50% · 4.625%
HK$109,721
+HK$6,293/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,856/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,273
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,177
−HK$2,946/mo
Today · 4.125%
HK$114,123
baseline
▲ 0.50% · 4.625%
HK$120,138
+HK$6,015/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,246/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,759 · Scale 2, in force from 26 Feb 2026)