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$53,994
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,673
−HK$1,707/mo
Today · 4.125%
HK$57,380
baseline
▲ 0.50% · 4.625%
HK$60,871
+HK$3,491/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,760/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,068
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,679
−HK$1,634/mo
Today · 4.125%
HK$63,313
baseline
▲ 0.50% · 4.625%
HK$66,650
+HK$3,337/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,626/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,793
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,808
−HK$2,048/mo
Today · 4.125%
HK$68,856
baseline
▲ 0.50% · 4.625%
HK$73,045
+HK$4,189/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,712/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,081
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,014
−HK$1,961/mo
Today · 4.125%
HK$75,975
baseline
▲ 0.50% · 4.625%
HK$79,980
+HK$4,005/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,950/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,591
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,943
−HK$2,389/mo
Today · 4.125%
HK$80,332
baseline
▲ 0.50% · 4.625%
HK$85,220
+HK$4,888/mo
Deposit HK$7.10M · loan HK$16.58M · min. income ≈ HK$160,664/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,095
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,350
−HK$2,288/mo
Today · 4.125%
HK$88,638
baseline
▲ 0.50% · 4.625%
HK$93,310
+HK$4,672/mo
Deposit HK$7.10M · loan HK$16.58M · min. income ≈ HK$177,276/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,189
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,212
−HK$3,071/mo
Today · 4.125%
HK$103,283
baseline
▲ 0.50% · 4.625%
HK$109,568
+HK$6,285/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,566/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,122
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,021
−HK$2,942/mo
Today · 4.125%
HK$113,963
baseline
▲ 0.50% · 4.625%
HK$119,970
+HK$6,007/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,926/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,351 · Scale 2, in force from 26 Feb 2026)