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$53,874
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,550
−HK$1,702/mo
Today · 4.125%
HK$57,252
baseline
▲ 0.50% · 4.625%
HK$60,736
+HK$3,484/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,504/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,934
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,541
−HK$1,631/mo
Today · 4.125%
HK$63,172
baseline
▲ 0.50% · 4.625%
HK$66,502
+HK$3,330/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,344/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,649
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,659
−HK$2,044/mo
Today · 4.125%
HK$68,703
baseline
▲ 0.50% · 4.625%
HK$72,883
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,406/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,921
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,850
−HK$1,956/mo
Today · 4.125%
HK$75,806
baseline
▲ 0.50% · 4.625%
HK$79,802
+HK$3,996/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,612/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,423
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,769
−HK$2,384/mo
Today · 4.125%
HK$80,153
baseline
▲ 0.50% · 4.625%
HK$85,030
+HK$4,877/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,306/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,908
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,158
−HK$2,283/mo
Today · 4.125%
HK$88,441
baseline
▲ 0.50% · 4.625%
HK$93,103
+HK$4,662/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,882/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,973
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,989
−HK$3,065/mo
Today · 4.125%
HK$103,054
baseline
▲ 0.50% · 4.625%
HK$109,324
+HK$6,270/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,108/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,881
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,775
−HK$2,935/mo
Today · 4.125%
HK$113,710
baseline
▲ 0.50% · 4.625%
HK$119,704
+HK$5,994/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,420/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,113 · Scale 2, in force from 26 Feb 2026)