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$53,977
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,656
−HK$1,706/mo
Today · 4.125%
HK$57,362
baseline
▲ 0.50% · 4.625%
HK$60,852
+HK$3,490/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,724/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,049
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,659
−HK$1,634/mo
Today · 4.125%
HK$63,293
baseline
▲ 0.50% · 4.625%
HK$66,629
+HK$3,336/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,586/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,772
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,787
−HK$2,047/mo
Today · 4.125%
HK$68,834
baseline
▲ 0.50% · 4.625%
HK$73,022
+HK$4,188/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,668/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,006,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,058
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$73,991
−HK$1,961/mo
Today · 4.125%
HK$75,952
baseline
▲ 0.50% · 4.625%
HK$79,955
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,904/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,006,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,568
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,918
−HK$2,388/mo
Today · 4.125%
HK$80,306
baseline
▲ 0.50% · 4.625%
HK$85,193
+HK$4,887/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,612/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,068
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,323
−HK$2,287/mo
Today · 4.125%
HK$88,610
baseline
▲ 0.50% · 4.625%
HK$93,281
+HK$4,671/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,220/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,158
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,180
−HK$3,071/mo
Today · 4.125%
HK$103,251
baseline
▲ 0.50% · 4.625%
HK$109,534
+HK$6,283/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,502/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,088
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,986
−HK$2,941/mo
Today · 4.125%
HK$113,927
baseline
▲ 0.50% · 4.625%
HK$119,933
+HK$6,006/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,854/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,034 · Scale 2, in force from 26 Feb 2026)