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$54,118
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,802
−HK$1,710/mo
Today · 4.125%
HK$57,512
baseline
▲ 0.50% · 4.625%
HK$61,011
+HK$3,499/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,024/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,206
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,821
−HK$1,638/mo
Today · 4.125%
HK$63,459
baseline
▲ 0.50% · 4.625%
HK$66,804
+HK$3,345/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,918/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,942
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,962
−HK$2,052/mo
Today · 4.125%
HK$69,014
baseline
▲ 0.50% · 4.625%
HK$73,214
+HK$4,200/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,028/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,247
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,185
−HK$1,965/mo
Today · 4.125%
HK$76,150
baseline
▲ 0.50% · 4.625%
HK$80,164
+HK$4,014/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,300/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,765
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,122
−HK$2,395/mo
Today · 4.125%
HK$80,517
baseline
▲ 0.50% · 4.625%
HK$85,416
+HK$4,899/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$161,034/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,288
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,549
−HK$2,293/mo
Today · 4.125%
HK$88,842
baseline
▲ 0.50% · 4.625%
HK$93,525
+HK$4,683/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,684/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,413
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$100,443
−HK$3,078/mo
Today · 4.125%
HK$103,521
baseline
▲ 0.50% · 4.625%
HK$109,820
+HK$6,299/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,042/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,371
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,277
−HK$2,949/mo
Today · 4.125%
HK$114,226
baseline
▲ 0.50% · 4.625%
HK$120,247
+HK$6,021/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,452/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,668 · Scale 2, in force from 26 Feb 2026)