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$53,873
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,548
−HK$1,703/mo
Today · 4.125%
HK$57,251
baseline
▲ 0.50% · 4.625%
HK$60,735
+HK$3,484/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,502/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,933
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,540
−HK$1,631/mo
Today · 4.125%
HK$63,171
baseline
▲ 0.50% · 4.625%
HK$66,501
+HK$3,330/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,342/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,647
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,658
−HK$2,043/mo
Today · 4.125%
HK$68,701
baseline
▲ 0.50% · 4.625%
HK$72,881
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,402/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,919
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,848
−HK$1,957/mo
Today · 4.125%
HK$75,805
baseline
▲ 0.50% · 4.625%
HK$79,801
+HK$3,996/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,610/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,422
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,768
−HK$2,383/mo
Today · 4.125%
HK$80,151
baseline
▲ 0.50% · 4.625%
HK$85,028
+HK$4,877/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,302/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,906
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,156
−HK$2,283/mo
Today · 4.125%
HK$88,439
baseline
▲ 0.50% · 4.625%
HK$93,101
+HK$4,662/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,878/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,971
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,987
−HK$3,065/mo
Today · 4.125%
HK$103,052
baseline
▲ 0.50% · 4.625%
HK$109,322
+HK$6,270/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,104/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,879
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,772
−HK$2,935/mo
Today · 4.125%
HK$113,707
baseline
▲ 0.50% · 4.625%
HK$119,701
+HK$5,994/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,414/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,093 · Scale 2, in force from 26 Feb 2026)