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$54,065
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,746
−HK$1,709/mo
Today · 4.125%
HK$57,455
baseline
▲ 0.50% · 4.625%
HK$60,951
+HK$3,496/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,910/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,146
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,759
−HK$1,637/mo
Today · 4.125%
HK$63,396
baseline
▲ 0.50% · 4.625%
HK$66,737
+HK$3,341/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,792/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,877
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,895
−HK$2,051/mo
Today · 4.125%
HK$68,946
baseline
▲ 0.50% · 4.625%
HK$73,141
+HK$4,195/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$137,892/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,175
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,111
−HK$1,964/mo
Today · 4.125%
HK$76,075
baseline
▲ 0.50% · 4.625%
HK$80,085
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$152,150/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,690
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,045
−HK$2,392/mo
Today · 4.125%
HK$80,437
baseline
▲ 0.50% · 4.625%
HK$85,331
+HK$4,894/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,874/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,205
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,463
−HK$2,291/mo
Today · 4.125%
HK$88,754
baseline
▲ 0.50% · 4.625%
HK$93,432
+HK$4,678/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,508/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,316
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,343
−HK$3,076/mo
Today · 4.125%
HK$103,419
baseline
▲ 0.50% · 4.625%
HK$109,711
+HK$6,292/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,838/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,263
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,167
−HK$2,945/mo
Today · 4.125%
HK$114,112
baseline
▲ 0.50% · 4.625%
HK$120,127
+HK$6,015/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,224/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,669 · Scale 2, in force from 26 Feb 2026)