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$53,938
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,615
−HK$1,705/mo
Today · 4.125%
HK$57,320
baseline
▲ 0.50% · 4.625%
HK$60,808
+HK$3,488/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,640/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,005
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,614
−HK$1,633/mo
Today · 4.125%
HK$63,247
baseline
▲ 0.50% · 4.625%
HK$66,581
+HK$3,334/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,494/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,725
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,739
−HK$2,045/mo
Today · 4.125%
HK$68,784
baseline
▲ 0.50% · 4.625%
HK$72,969
+HK$4,185/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,568/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,006
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,937
−HK$1,959/mo
Today · 4.125%
HK$75,896
baseline
▲ 0.50% · 4.625%
HK$79,897
+HK$4,001/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,792/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,513
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,862
−HK$2,386/mo
Today · 4.125%
HK$80,248
baseline
▲ 0.50% · 4.625%
HK$85,131
+HK$4,883/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,496/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,007
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,260
−HK$2,286/mo
Today · 4.125%
HK$88,546
baseline
▲ 0.50% · 4.625%
HK$93,213
+HK$4,667/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,092/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,088
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,108
−HK$3,068/mo
Today · 4.125%
HK$103,176
baseline
▲ 0.50% · 4.625%
HK$109,454
+HK$6,278/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,352/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,009
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$110,906
−HK$2,939/mo
Today · 4.125%
HK$113,845
baseline
▲ 0.50% · 4.625%
HK$119,846
+HK$6,001/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,690/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,305 · Scale 2, in force from 26 Feb 2026)