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$54,088
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,771
−HK$1,709/mo
Today · 4.125%
HK$57,480
baseline
▲ 0.50% · 4.625%
HK$60,977
+HK$3,497/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,960/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,172
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,786
−HK$1,637/mo
Today · 4.125%
HK$63,423
baseline
▲ 0.50% · 4.625%
HK$66,766
+HK$3,343/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,846/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,906
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,925
−HK$2,051/mo
Today · 4.125%
HK$68,976
baseline
▲ 0.50% · 4.625%
HK$73,173
+HK$4,197/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,952/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,207
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,143
−HK$1,965/mo
Today · 4.125%
HK$76,108
baseline
▲ 0.50% · 4.625%
HK$80,120
+HK$4,012/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,216/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,723
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,079
−HK$2,393/mo
Today · 4.125%
HK$80,472
baseline
▲ 0.50% · 4.625%
HK$85,368
+HK$4,896/mo
Deposit HK$7.12M · loan HK$16.60M · min. income ≈ HK$160,944/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,008,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,241
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,501
−HK$2,292/mo
Today · 4.125%
HK$88,793
baseline
▲ 0.50% · 4.625%
HK$93,473
+HK$4,680/mo
Deposit HK$7.12M · loan HK$16.60M · min. income ≈ HK$177,586/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,008,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,359
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,387
−HK$3,077/mo
Today · 4.125%
HK$103,464
baseline
▲ 0.50% · 4.625%
HK$109,759
+HK$6,295/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,928/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,310
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,215
−HK$2,947/mo
Today · 4.125%
HK$114,162
baseline
▲ 0.50% · 4.625%
HK$120,180
+HK$6,018/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,324/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,108 · Scale 2, in force from 26 Feb 2026)