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$53,974
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,653
−HK$1,706/mo
Today · 4.125%
HK$57,359
baseline
▲ 0.50% · 4.625%
HK$60,849
+HK$3,490/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,718/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,046
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,656
−HK$1,634/mo
Today · 4.125%
HK$63,290
baseline
▲ 0.50% · 4.625%
HK$66,626
+HK$3,336/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,580/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,769
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,784
−HK$2,047/mo
Today · 4.125%
HK$68,831
baseline
▲ 0.50% · 4.625%
HK$73,019
+HK$4,188/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,662/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,055
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,988
−HK$1,960/mo
Today · 4.125%
HK$75,948
baseline
▲ 0.50% · 4.625%
HK$79,952
+HK$4,004/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,896/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,564
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,915
−HK$2,388/mo
Today · 4.125%
HK$80,303
baseline
▲ 0.50% · 4.625%
HK$85,189
+HK$4,886/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,606/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,065
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,319
−HK$2,287/mo
Today · 4.125%
HK$88,606
baseline
▲ 0.50% · 4.625%
HK$93,277
+HK$4,671/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,212/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,154
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,176
−HK$3,070/mo
Today · 4.125%
HK$103,246
baseline
▲ 0.50% · 4.625%
HK$109,529
+HK$6,283/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,492/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,083
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,982
−HK$2,940/mo
Today · 4.125%
HK$113,922
baseline
▲ 0.50% · 4.625%
HK$119,927
+HK$6,005/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,844/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,991 · Scale 2, in force from 26 Feb 2026)