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$53,924
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,601
−HK$1,704/mo
Today · 4.125%
HK$57,305
baseline
▲ 0.50% · 4.625%
HK$60,792
+HK$3,487/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,610/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,990
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,599
−HK$1,632/mo
Today · 4.125%
HK$63,231
baseline
▲ 0.50% · 4.625%
HK$66,564
+HK$3,333/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,462/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,709
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,722
−HK$2,045/mo
Today · 4.125%
HK$68,767
baseline
▲ 0.50% · 4.625%
HK$72,951
+HK$4,184/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,534/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,988
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,918
−HK$1,959/mo
Today · 4.125%
HK$75,877
baseline
▲ 0.50% · 4.625%
HK$79,877
+HK$4,000/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,754/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,493
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,842
−HK$2,386/mo
Today · 4.125%
HK$80,228
baseline
▲ 0.50% · 4.625%
HK$85,109
+HK$4,881/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,456/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,986
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,238
−HK$2,285/mo
Today · 4.125%
HK$88,523
baseline
▲ 0.50% · 4.625%
HK$93,189
+HK$4,666/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,046/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,063
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,082
−HK$3,068/mo
Today · 4.125%
HK$103,150
baseline
▲ 0.50% · 4.625%
HK$109,426
+HK$6,276/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,300/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,982
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,878
−HK$2,938/mo
Today · 4.125%
HK$113,816
baseline
▲ 0.50% · 4.625%
HK$119,815
+HK$5,999/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,632/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,048 · Scale 2, in force from 26 Feb 2026)