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$54,063
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,744
−HK$1,709/mo
Today · 4.125%
HK$57,453
baseline
▲ 0.50% · 4.625%
HK$60,949
+HK$3,496/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,906/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,144
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,757
−HK$1,637/mo
Today · 4.125%
HK$63,394
baseline
▲ 0.50% · 4.625%
HK$66,735
+HK$3,341/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,788/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,875
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,893
−HK$2,051/mo
Today · 4.125%
HK$68,944
baseline
▲ 0.50% · 4.625%
HK$73,139
+HK$4,195/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$137,888/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,173
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,109
−HK$1,963/mo
Today · 4.125%
HK$76,072
baseline
▲ 0.50% · 4.625%
HK$80,082
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$152,144/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,688
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,042
−HK$2,392/mo
Today · 4.125%
HK$80,434
baseline
▲ 0.50% · 4.625%
HK$85,328
+HK$4,894/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,868/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,202
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,460
−HK$2,291/mo
Today · 4.125%
HK$88,751
baseline
▲ 0.50% · 4.625%
HK$93,429
+HK$4,678/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,502/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,313
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,340
−HK$3,075/mo
Today · 4.125%
HK$103,415
baseline
▲ 0.50% · 4.625%
HK$109,708
+HK$6,293/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,830/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,260
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,163
−HK$2,946/mo
Today · 4.125%
HK$114,109
baseline
▲ 0.50% · 4.625%
HK$120,124
+HK$6,015/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,218/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,637 · Scale 2, in force from 26 Feb 2026)