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$53,913
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,590
−HK$1,704/mo
Today · 4.125%
HK$57,294
baseline
▲ 0.50% · 4.625%
HK$60,780
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,588/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,978
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,587
−HK$1,632/mo
Today · 4.125%
HK$63,219
baseline
▲ 0.50% · 4.625%
HK$66,551
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,438/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,696
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,708
−HK$2,045/mo
Today · 4.125%
HK$68,753
baseline
▲ 0.50% · 4.625%
HK$72,937
+HK$4,184/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,506/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,974
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,904
−HK$1,958/mo
Today · 4.125%
HK$75,862
baseline
▲ 0.50% · 4.625%
HK$79,861
+HK$3,999/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,724/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,479
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,827
−HK$2,385/mo
Today · 4.125%
HK$80,212
baseline
▲ 0.50% · 4.625%
HK$85,093
+HK$4,881/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,424/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,969
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,221
−HK$2,285/mo
Today · 4.125%
HK$88,506
baseline
▲ 0.50% · 4.625%
HK$93,171
+HK$4,665/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,012/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,044
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,063
−HK$3,067/mo
Today · 4.125%
HK$103,130
baseline
▲ 0.50% · 4.625%
HK$109,405
+HK$6,275/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,260/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,961
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,856
−HK$2,937/mo
Today · 4.125%
HK$113,793
baseline
▲ 0.50% · 4.625%
HK$119,792
+HK$5,999/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,586/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,852 · Scale 2, in force from 26 Feb 2026)