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$53,997
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,677
−HK$1,707/mo
Today · 4.125%
HK$57,384
baseline
▲ 0.50% · 4.625%
HK$60,875
+HK$3,491/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,768/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,072
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,683
−HK$1,634/mo
Today · 4.125%
HK$63,317
baseline
▲ 0.50% · 4.625%
HK$66,655
+HK$3,338/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,634/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,797
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,812
−HK$2,048/mo
Today · 4.125%
HK$68,860
baseline
▲ 0.50% · 4.625%
HK$73,050
+HK$4,190/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,720/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,086
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,019
−HK$1,962/mo
Today · 4.125%
HK$75,981
baseline
▲ 0.50% · 4.625%
HK$79,986
+HK$4,005/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,962/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,596
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,948
−HK$2,389/mo
Today · 4.125%
HK$80,337
baseline
▲ 0.50% · 4.625%
HK$85,225
+HK$4,888/mo
Deposit HK$7.10M · loan HK$16.58M · min. income ≈ HK$160,674/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,100
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,356
−HK$2,288/mo
Today · 4.125%
HK$88,644
baseline
▲ 0.50% · 4.625%
HK$93,316
+HK$4,672/mo
Deposit HK$7.10M · loan HK$16.58M · min. income ≈ HK$177,288/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,195
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$100,219
−HK$3,071/mo
Today · 4.125%
HK$103,290
baseline
▲ 0.50% · 4.625%
HK$109,575
+HK$6,285/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,580/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,129
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$111,029
−HK$2,942/mo
Today · 4.125%
HK$113,971
baseline
▲ 0.50% · 4.625%
HK$119,978
+HK$6,007/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,942/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,419 · Scale 2, in force from 26 Feb 2026)