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$53,879
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,555
−HK$1,703/mo
Today · 4.125%
HK$57,258
baseline
▲ 0.50% · 4.625%
HK$60,742
+HK$3,484/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,516/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,940
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,548
−HK$1,631/mo
Today · 4.125%
HK$63,179
baseline
▲ 0.50% · 4.625%
HK$66,509
+HK$3,330/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,358/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,655
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,666
−HK$2,044/mo
Today · 4.125%
HK$68,710
baseline
▲ 0.50% · 4.625%
HK$72,890
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,420/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,928
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,857
−HK$1,957/mo
Today · 4.125%
HK$75,814
baseline
▲ 0.50% · 4.625%
HK$79,811
+HK$3,997/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,628/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,431
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,777
−HK$2,384/mo
Today · 4.125%
HK$80,161
baseline
▲ 0.50% · 4.625%
HK$85,039
+HK$4,878/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,322/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,916
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,167
−HK$2,283/mo
Today · 4.125%
HK$88,450
baseline
▲ 0.50% · 4.625%
HK$93,112
+HK$4,662/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,900/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,983
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,999
−HK$3,065/mo
Today · 4.125%
HK$103,064
baseline
▲ 0.50% · 4.625%
HK$109,336
+HK$6,272/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,128/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,892
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,786
−HK$2,935/mo
Today · 4.125%
HK$113,721
baseline
▲ 0.50% · 4.625%
HK$119,716
+HK$5,995/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,442/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,217 · Scale 2, in force from 26 Feb 2026)