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$54,051
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,732
−HK$1,708/mo
Today · 4.125%
HK$57,440
baseline
▲ 0.50% · 4.625%
HK$60,935
+HK$3,495/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,880/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,131
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,744
−HK$1,636/mo
Today · 4.125%
HK$63,380
baseline
▲ 0.50% · 4.625%
HK$66,720
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,760/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,861
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,878
−HK$2,050/mo
Today · 4.125%
HK$68,928
baseline
▲ 0.50% · 4.625%
HK$73,122
+HK$4,194/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,856/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,157
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,092
−HK$1,963/mo
Today · 4.125%
HK$76,055
baseline
▲ 0.50% · 4.625%
HK$80,064
+HK$4,009/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,110/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,671
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,025
−HK$2,391/mo
Today · 4.125%
HK$80,416
baseline
▲ 0.50% · 4.625%
HK$85,309
+HK$4,893/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,832/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,183
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,441
−HK$2,290/mo
Today · 4.125%
HK$88,731
baseline
▲ 0.50% · 4.625%
HK$93,409
+HK$4,678/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,462/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,291
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,318
−HK$3,074/mo
Today · 4.125%
HK$103,392
baseline
▲ 0.50% · 4.625%
HK$109,683
+HK$6,291/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,784/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,236
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,138
−HK$2,945/mo
Today · 4.125%
HK$114,083
baseline
▲ 0.50% · 4.625%
HK$120,097
+HK$6,014/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,166/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,411 · Scale 2, in force from 26 Feb 2026)