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$54,041
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,722
−HK$1,708/mo
Today · 4.125%
HK$57,430
baseline
▲ 0.50% · 4.625%
HK$60,924
+HK$3,494/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,860/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,120
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,732
−HK$1,636/mo
Today · 4.125%
HK$63,368
baseline
▲ 0.50% · 4.625%
HK$66,708
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,736/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,849
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,866
−HK$2,050/mo
Today · 4.125%
HK$68,916
baseline
▲ 0.50% · 4.625%
HK$73,109
+HK$4,193/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,832/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,144
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,079
−HK$1,963/mo
Today · 4.125%
HK$76,042
baseline
▲ 0.50% · 4.625%
HK$80,050
+HK$4,008/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,084/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,657
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,011
−HK$2,391/mo
Today · 4.125%
HK$80,402
baseline
▲ 0.50% · 4.625%
HK$85,294
+HK$4,892/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,804/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,168
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,425
−HK$2,290/mo
Today · 4.125%
HK$88,715
baseline
▲ 0.50% · 4.625%
HK$93,391
+HK$4,676/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,430/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,274
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,299
−HK$3,074/mo
Today · 4.125%
HK$103,373
baseline
▲ 0.50% · 4.625%
HK$109,663
+HK$6,290/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,746/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,216
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,118
−HK$2,944/mo
Today · 4.125%
HK$114,062
baseline
▲ 0.50% · 4.625%
HK$120,075
+HK$6,013/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,124/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,228 · Scale 2, in force from 26 Feb 2026)