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$53,911
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,588
−HK$1,704/mo
Today · 4.125%
HK$57,292
baseline
▲ 0.50% · 4.625%
HK$60,778
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,584/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,975
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,584
−HK$1,632/mo
Today · 4.125%
HK$63,216
baseline
▲ 0.50% · 4.625%
HK$66,548
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,432/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,693
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,705
−HK$2,045/mo
Today · 4.125%
HK$68,750
baseline
▲ 0.50% · 4.625%
HK$72,933
+HK$4,183/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,500/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,970
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,901
−HK$1,958/mo
Today · 4.125%
HK$75,859
baseline
▲ 0.50% · 4.625%
HK$79,857
+HK$3,998/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,718/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,475
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,823
−HK$2,385/mo
Today · 4.125%
HK$80,208
baseline
▲ 0.50% · 4.625%
HK$85,089
+HK$4,881/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,416/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,966
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,217
−HK$2,285/mo
Today · 4.125%
HK$88,502
baseline
▲ 0.50% · 4.625%
HK$93,167
+HK$4,665/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,004/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,040
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,058
−HK$3,067/mo
Today · 4.125%
HK$103,125
baseline
▲ 0.50% · 4.625%
HK$109,400
+HK$6,275/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,250/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,956
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,851
−HK$2,937/mo
Today · 4.125%
HK$113,788
baseline
▲ 0.50% · 4.625%
HK$119,786
+HK$5,998/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,576/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,806 · Scale 2, in force from 26 Feb 2026)