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$53,988
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,668
−HK$1,706/mo
Today · 4.125%
HK$57,374
baseline
▲ 0.50% · 4.625%
HK$60,865
+HK$3,491/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,748/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,061
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,672
−HK$1,634/mo
Today · 4.125%
HK$63,306
baseline
▲ 0.50% · 4.625%
HK$66,643
+HK$3,337/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,612/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,786
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,801
−HK$2,047/mo
Today · 4.125%
HK$68,848
baseline
▲ 0.50% · 4.625%
HK$73,038
+HK$4,190/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,696/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,074
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,007
−HK$1,961/mo
Today · 4.125%
HK$75,968
baseline
▲ 0.50% · 4.625%
HK$79,972
+HK$4,004/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,936/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,583
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,935
−HK$2,388/mo
Today · 4.125%
HK$80,323
baseline
▲ 0.50% · 4.625%
HK$85,211
+HK$4,888/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,646/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,086
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,341
−HK$2,288/mo
Today · 4.125%
HK$88,629
baseline
▲ 0.50% · 4.625%
HK$93,301
+HK$4,672/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,258/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,179
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,202
−HK$3,071/mo
Today · 4.125%
HK$103,273
baseline
▲ 0.50% · 4.625%
HK$109,557
+HK$6,284/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,546/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,110
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,010
−HK$2,941/mo
Today · 4.125%
HK$113,951
baseline
▲ 0.50% · 4.625%
HK$119,958
+HK$6,007/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,902/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,246 · Scale 2, in force from 26 Feb 2026)