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$53,890
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,566
−HK$1,703/mo
Today · 4.125%
HK$57,269
baseline
▲ 0.50% · 4.625%
HK$60,754
+HK$3,485/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,538/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,952
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,560
−HK$1,631/mo
Today · 4.125%
HK$63,191
baseline
▲ 0.50% · 4.625%
HK$66,522
+HK$3,331/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,382/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,668
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,679
−HK$2,044/mo
Today · 4.125%
HK$68,723
baseline
▲ 0.50% · 4.625%
HK$72,904
+HK$4,181/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,446/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,942
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,871
−HK$1,958/mo
Today · 4.125%
HK$75,829
baseline
▲ 0.50% · 4.625%
HK$79,826
+HK$3,997/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,658/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,446
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,792
−HK$2,385/mo
Today · 4.125%
HK$80,177
baseline
▲ 0.50% · 4.625%
HK$85,055
+HK$4,878/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,354/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,932
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,183
−HK$2,284/mo
Today · 4.125%
HK$88,467
baseline
▲ 0.50% · 4.625%
HK$93,130
+HK$4,663/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,934/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,001
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,019
−HK$3,065/mo
Today · 4.125%
HK$103,084
baseline
▲ 0.50% · 4.625%
HK$109,357
+HK$6,273/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,168/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,913
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,807
−HK$2,936/mo
Today · 4.125%
HK$113,743
baseline
▲ 0.50% · 4.625%
HK$119,739
+HK$5,996/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,486/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,410 · Scale 2, in force from 26 Feb 2026)