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$53,927
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,605
−HK$1,704/mo
Today · 4.125%
HK$57,309
baseline
▲ 0.50% · 4.625%
HK$60,796
+HK$3,487/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,618/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,993
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,602
−HK$1,633/mo
Today · 4.125%
HK$63,235
baseline
▲ 0.50% · 4.625%
HK$66,568
+HK$3,333/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,470/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,713
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,726
−HK$2,045/mo
Today · 4.125%
HK$68,771
baseline
▲ 0.50% · 4.625%
HK$72,955
+HK$4,184/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,542/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,992
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,923
−HK$1,959/mo
Today · 4.125%
HK$75,882
baseline
▲ 0.50% · 4.625%
HK$79,882
+HK$4,000/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,764/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,498
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,847
−HK$2,386/mo
Today · 4.125%
HK$80,233
baseline
▲ 0.50% · 4.625%
HK$85,114
+HK$4,881/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,466/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,991
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,243
−HK$2,286/mo
Today · 4.125%
HK$88,529
baseline
▲ 0.50% · 4.625%
HK$93,195
+HK$4,666/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,058/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,069
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,088
−HK$3,068/mo
Today · 4.125%
HK$103,156
baseline
▲ 0.50% · 4.625%
HK$109,433
+HK$6,277/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,312/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,988
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,884
−HK$2,939/mo
Today · 4.125%
HK$113,823
baseline
▲ 0.50% · 4.625%
HK$119,822
+HK$5,999/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,646/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,110 · Scale 2, in force from 26 Feb 2026)