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$53,961
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,640
−HK$1,705/mo
Today · 4.125%
HK$57,345
baseline
▲ 0.50% · 4.625%
HK$60,834
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,690/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,031
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,641
−HK$1,634/mo
Today · 4.125%
HK$63,275
baseline
▲ 0.50% · 4.625%
HK$66,610
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,550/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,753
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,768
−HK$2,046/mo
Today · 4.125%
HK$68,814
baseline
▲ 0.50% · 4.625%
HK$73,001
+HK$4,187/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,628/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,038
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,970
−HK$1,960/mo
Today · 4.125%
HK$75,930
baseline
▲ 0.50% · 4.625%
HK$79,932
+HK$4,002/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,860/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,546
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,896
−HK$2,387/mo
Today · 4.125%
HK$80,283
baseline
▲ 0.50% · 4.625%
HK$85,168
+HK$4,885/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,566/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,044
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,298
−HK$2,286/mo
Today · 4.125%
HK$88,584
baseline
▲ 0.50% · 4.625%
HK$93,254
+HK$4,670/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,168/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,130
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,151
−HK$3,070/mo
Today · 4.125%
HK$103,221
baseline
▲ 0.50% · 4.625%
HK$109,502
+HK$6,281/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,442/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,056
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,954
−HK$2,940/mo
Today · 4.125%
HK$113,894
baseline
▲ 0.50% · 4.625%
HK$119,898
+HK$6,004/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,788/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,743 · Scale 2, in force from 26 Feb 2026)