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$53,996
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,676
−HK$1,706/mo
Today · 4.125%
HK$57,382
baseline
▲ 0.50% · 4.625%
HK$60,874
+HK$3,492/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,764/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,070
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,681
−HK$1,635/mo
Today · 4.125%
HK$63,316
baseline
▲ 0.50% · 4.625%
HK$66,653
+HK$3,337/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,632/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,796
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,811
−HK$2,048/mo
Today · 4.125%
HK$68,859
baseline
▲ 0.50% · 4.625%
HK$73,049
+HK$4,190/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,718/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,084
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,018
−HK$1,961/mo
Today · 4.125%
HK$75,979
baseline
▲ 0.50% · 4.625%
HK$79,984
+HK$4,005/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,958/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,595
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,946
−HK$2,389/mo
Today · 4.125%
HK$80,335
baseline
▲ 0.50% · 4.625%
HK$85,224
+HK$4,889/mo
Deposit HK$7.10M · loan HK$16.58M · min. income ≈ HK$160,670/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,099
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,354
−HK$2,288/mo
Today · 4.125%
HK$88,642
baseline
▲ 0.50% · 4.625%
HK$93,315
+HK$4,673/mo
Deposit HK$7.10M · loan HK$16.58M · min. income ≈ HK$177,284/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,193
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$100,217
−HK$3,071/mo
Today · 4.125%
HK$103,288
baseline
▲ 0.50% · 4.625%
HK$109,573
+HK$6,285/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,576/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,127
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,027
−HK$2,941/mo
Today · 4.125%
HK$113,968
baseline
▲ 0.50% · 4.625%
HK$119,976
+HK$6,008/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,936/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,398 · Scale 2, in force from 26 Feb 2026)