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$53,935
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,612
−HK$1,705/mo
Today · 4.125%
HK$57,317
baseline
▲ 0.50% · 4.625%
HK$60,804
+HK$3,487/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,634/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,002
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,611
−HK$1,632/mo
Today · 4.125%
HK$63,243
baseline
▲ 0.50% · 4.625%
HK$66,577
+HK$3,334/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,486/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,722
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,735
−HK$2,045/mo
Today · 4.125%
HK$68,780
baseline
▲ 0.50% · 4.625%
HK$72,965
+HK$4,185/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,560/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,002
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,933
−HK$1,959/mo
Today · 4.125%
HK$75,892
baseline
▲ 0.50% · 4.625%
HK$79,893
+HK$4,001/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,784/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,509
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,857
−HK$2,387/mo
Today · 4.125%
HK$80,244
baseline
▲ 0.50% · 4.625%
HK$85,126
+HK$4,882/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,488/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,002
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,255
−HK$2,286/mo
Today · 4.125%
HK$88,541
baseline
▲ 0.50% · 4.625%
HK$93,208
+HK$4,667/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,082/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,082
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,102
−HK$3,068/mo
Today · 4.125%
HK$103,170
baseline
▲ 0.50% · 4.625%
HK$109,448
+HK$6,278/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,340/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,003
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,900
−HK$2,938/mo
Today · 4.125%
HK$113,838
baseline
▲ 0.50% · 4.625%
HK$119,839
+HK$6,001/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,676/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,248 · Scale 2, in force from 26 Feb 2026)