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$54,090
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,773
−HK$1,709/mo
Today · 4.125%
HK$57,482
baseline
▲ 0.50% · 4.625%
HK$60,980
+HK$3,498/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,964/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,175
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,789
−HK$1,637/mo
Today · 4.125%
HK$63,426
baseline
▲ 0.50% · 4.625%
HK$66,769
+HK$3,343/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,852/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,908
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,927
−HK$2,052/mo
Today · 4.125%
HK$68,979
baseline
▲ 0.50% · 4.625%
HK$73,176
+HK$4,197/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,958/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,210
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,146
−HK$1,965/mo
Today · 4.125%
HK$76,111
baseline
▲ 0.50% · 4.625%
HK$80,123
+HK$4,012/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,222/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,726
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,082
−HK$2,393/mo
Today · 4.125%
HK$80,475
baseline
▲ 0.50% · 4.625%
HK$85,372
+HK$4,897/mo
Deposit HK$7.12M · loan HK$16.60M · min. income ≈ HK$160,950/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,008,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,245
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,504
−HK$2,292/mo
Today · 4.125%
HK$88,796
baseline
▲ 0.50% · 4.625%
HK$93,477
+HK$4,681/mo
Deposit HK$7.12M · loan HK$16.60M · min. income ≈ HK$177,592/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,008,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,362
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,391
−HK$3,077/mo
Today · 4.125%
HK$103,468
baseline
▲ 0.50% · 4.625%
HK$109,764
+HK$6,296/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,936/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,315
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,220
−HK$2,947/mo
Today · 4.125%
HK$114,167
baseline
▲ 0.50% · 4.625%
HK$120,184
+HK$6,017/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,334/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,148 · Scale 2, in force from 26 Feb 2026)