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$53,932
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,609
−HK$1,705/mo
Today · 4.125%
HK$57,314
baseline
▲ 0.50% · 4.625%
HK$60,801
+HK$3,487/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,628/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,999
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,608
−HK$1,632/mo
Today · 4.125%
HK$63,240
baseline
▲ 0.50% · 4.625%
HK$66,574
+HK$3,334/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,480/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,718
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,731
−HK$2,045/mo
Today · 4.125%
HK$68,776
baseline
▲ 0.50% · 4.625%
HK$72,961
+HK$4,185/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,552/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,998
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,929
−HK$1,959/mo
Today · 4.125%
HK$75,888
baseline
▲ 0.50% · 4.625%
HK$79,888
+HK$4,000/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,776/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,504
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,853
−HK$2,386/mo
Today · 4.125%
HK$80,239
baseline
▲ 0.50% · 4.625%
HK$85,122
+HK$4,883/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,478/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,998
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,251
−HK$2,285/mo
Today · 4.125%
HK$88,536
baseline
▲ 0.50% · 4.625%
HK$93,203
+HK$4,667/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,072/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,077
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,097
−HK$3,068/mo
Today · 4.125%
HK$103,165
baseline
▲ 0.50% · 4.625%
HK$109,442
+HK$6,277/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,330/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,997
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,894
−HK$2,938/mo
Today · 4.125%
HK$113,832
baseline
▲ 0.50% · 4.625%
HK$119,832
+HK$6,000/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,664/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,194 · Scale 2, in force from 26 Feb 2026)