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$54,059
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,741
−HK$1,708/mo
Today · 4.125%
HK$57,449
baseline
▲ 0.50% · 4.625%
HK$60,945
+HK$3,496/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,898/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,140
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,753
−HK$1,636/mo
Today · 4.125%
HK$63,389
baseline
▲ 0.50% · 4.625%
HK$66,731
+HK$3,342/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,778/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,871
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,889
−HK$2,050/mo
Today · 4.125%
HK$68,939
baseline
▲ 0.50% · 4.625%
HK$73,134
+HK$4,195/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,878/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,168
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,104
−HK$1,963/mo
Today · 4.125%
HK$76,067
baseline
▲ 0.50% · 4.625%
HK$80,077
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,134/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,683
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,037
−HK$2,392/mo
Today · 4.125%
HK$80,429
baseline
▲ 0.50% · 4.625%
HK$85,322
+HK$4,893/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,858/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,196
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,454
−HK$2,291/mo
Today · 4.125%
HK$88,745
baseline
▲ 0.50% · 4.625%
HK$93,423
+HK$4,678/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,490/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,306
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,333
−HK$3,075/mo
Today · 4.125%
HK$103,408
baseline
▲ 0.50% · 4.625%
HK$109,700
+HK$6,292/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,816/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,252
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,155
−HK$2,946/mo
Today · 4.125%
HK$114,101
baseline
▲ 0.50% · 4.625%
HK$120,115
+HK$6,014/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,202/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,566 · Scale 2, in force from 26 Feb 2026)