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$54,063
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,745
−HK$1,708/mo
Today · 4.125%
HK$57,453
baseline
▲ 0.50% · 4.625%
HK$60,949
+HK$3,496/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,906/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,145
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,758
−HK$1,636/mo
Today · 4.125%
HK$63,394
baseline
▲ 0.50% · 4.625%
HK$66,736
+HK$3,342/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,788/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,876
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,894
−HK$2,050/mo
Today · 4.125%
HK$68,944
baseline
▲ 0.50% · 4.625%
HK$73,139
+HK$4,195/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$137,888/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,174
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,109
−HK$1,964/mo
Today · 4.125%
HK$76,073
baseline
▲ 0.50% · 4.625%
HK$80,083
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$152,146/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,688
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,043
−HK$2,392/mo
Today · 4.125%
HK$80,435
baseline
▲ 0.50% · 4.625%
HK$85,329
+HK$4,894/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,870/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,203
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,461
−HK$2,291/mo
Today · 4.125%
HK$88,752
baseline
▲ 0.50% · 4.625%
HK$93,430
+HK$4,678/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,504/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,314
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,341
−HK$3,075/mo
Today · 4.125%
HK$103,416
baseline
▲ 0.50% · 4.625%
HK$109,709
+HK$6,293/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,832/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,261
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,164
−HK$2,946/mo
Today · 4.125%
HK$114,110
baseline
▲ 0.50% · 4.625%
HK$120,124
+HK$6,014/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,220/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,644 · Scale 2, in force from 26 Feb 2026)