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$54,122
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,805
−HK$1,710/mo
Today · 4.125%
HK$57,515
baseline
▲ 0.50% · 4.625%
HK$61,015
+HK$3,500/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,030/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,210
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,824
−HK$1,639/mo
Today · 4.125%
HK$63,463
baseline
▲ 0.50% · 4.625%
HK$66,808
+HK$3,345/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,926/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,946
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,966
−HK$2,052/mo
Today · 4.125%
HK$69,018
baseline
▲ 0.50% · 4.625%
HK$73,218
+HK$4,200/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,036/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,252
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,189
−HK$1,966/mo
Today · 4.125%
HK$76,155
baseline
▲ 0.50% · 4.625%
HK$80,169
+HK$4,014/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,310/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,770
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,127
−HK$2,395/mo
Today · 4.125%
HK$80,522
baseline
▲ 0.50% · 4.625%
HK$85,421
+HK$4,899/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$161,044/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,294
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,554
−HK$2,294/mo
Today · 4.125%
HK$88,848
baseline
▲ 0.50% · 4.625%
HK$93,531
+HK$4,683/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,696/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,419
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,449
−HK$3,079/mo
Today · 4.125%
HK$103,528
baseline
▲ 0.50% · 4.625%
HK$109,827
+HK$6,299/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,056/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,377
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,284
−HK$2,949/mo
Today · 4.125%
HK$114,233
baseline
▲ 0.50% · 4.625%
HK$120,254
+HK$6,021/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,466/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,731 · Scale 2, in force from 26 Feb 2026)