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$53,904
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,580
−HK$1,704/mo
Today · 4.125%
HK$57,284
baseline
▲ 0.50% · 4.625%
HK$60,770
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,568/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,967
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,576
−HK$1,631/mo
Today · 4.125%
HK$63,207
baseline
▲ 0.50% · 4.625%
HK$66,539
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,414/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,684
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,696
−HK$2,045/mo
Today · 4.125%
HK$68,741
baseline
▲ 0.50% · 4.625%
HK$72,923
+HK$4,182/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$137,482/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,961
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,891
−HK$1,958/mo
Today · 4.125%
HK$75,849
baseline
▲ 0.50% · 4.625%
HK$79,847
+HK$3,998/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$151,698/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,465
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,813
−HK$2,385/mo
Today · 4.125%
HK$80,198
baseline
▲ 0.50% · 4.625%
HK$85,077
+HK$4,879/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,396/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,954
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,206
−HK$2,284/mo
Today · 4.125%
HK$88,490
baseline
▲ 0.50% · 4.625%
HK$93,154
+HK$4,664/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$176,980/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,027
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,045
−HK$3,066/mo
Today · 4.125%
HK$103,111
baseline
▲ 0.50% · 4.625%
HK$109,385
+HK$6,274/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,222/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,941
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,836
−HK$2,937/mo
Today · 4.125%
HK$113,773
baseline
▲ 0.50% · 4.625%
HK$119,770
+HK$5,997/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,546/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,671 · Scale 2, in force from 26 Feb 2026)