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$54,027
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,707
−HK$1,707/mo
Today · 4.125%
HK$57,414
baseline
▲ 0.50% · 4.625%
HK$60,908
+HK$3,494/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,828/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,104
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,716
−HK$1,635/mo
Today · 4.125%
HK$63,351
baseline
▲ 0.50% · 4.625%
HK$66,691
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,702/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,832
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,848
−HK$2,049/mo
Today · 4.125%
HK$68,897
baseline
▲ 0.50% · 4.625%
HK$73,090
+HK$4,193/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,794/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,125
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,059
−HK$1,962/mo
Today · 4.125%
HK$76,021
baseline
▲ 0.50% · 4.625%
HK$80,029
+HK$4,008/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,042/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,637
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,990
−HK$2,390/mo
Today · 4.125%
HK$80,380
baseline
▲ 0.50% · 4.625%
HK$85,271
+HK$4,891/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,760/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,146
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,402
−HK$2,290/mo
Today · 4.125%
HK$88,692
baseline
▲ 0.50% · 4.625%
HK$93,367
+HK$4,675/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,384/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,248
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,273
−HK$3,073/mo
Today · 4.125%
HK$103,346
baseline
▲ 0.50% · 4.625%
HK$109,634
+HK$6,288/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,692/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,187
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,089
−HK$2,943/mo
Today · 4.125%
HK$114,032
baseline
▲ 0.50% · 4.625%
HK$120,043
+HK$6,011/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,064/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,961 · Scale 2, in force from 26 Feb 2026)