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$54,121
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,804
−HK$1,711/mo
Today · 4.125%
HK$57,515
baseline
▲ 0.50% · 4.625%
HK$61,014
+HK$3,499/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,030/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,209
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,824
−HK$1,638/mo
Today · 4.125%
HK$63,462
baseline
▲ 0.50% · 4.625%
HK$66,807
+HK$3,345/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,924/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,945
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,965
−HK$2,053/mo
Today · 4.125%
HK$69,018
baseline
▲ 0.50% · 4.625%
HK$73,217
+HK$4,199/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,036/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,251
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,188
−HK$1,966/mo
Today · 4.125%
HK$76,154
baseline
▲ 0.50% · 4.625%
HK$80,168
+HK$4,014/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,308/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,769
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,126
−HK$2,394/mo
Today · 4.125%
HK$80,520
baseline
▲ 0.50% · 4.625%
HK$85,420
+HK$4,900/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$161,040/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,292
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,553
−HK$2,293/mo
Today · 4.125%
HK$88,846
baseline
▲ 0.50% · 4.625%
HK$93,530
+HK$4,684/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,692/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,417
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,448
−HK$3,078/mo
Today · 4.125%
HK$103,526
baseline
▲ 0.50% · 4.625%
HK$109,826
+HK$6,300/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,052/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,376
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,282
−HK$2,949/mo
Today · 4.125%
HK$114,231
baseline
▲ 0.50% · 4.625%
HK$120,252
+HK$6,021/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,462/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,717 · Scale 2, in force from 26 Feb 2026)