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$54,070
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,752
−HK$1,709/mo
Today · 4.125%
HK$57,461
baseline
▲ 0.50% · 4.625%
HK$60,957
+HK$3,496/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,922/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,153
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,766
−HK$1,636/mo
Today · 4.125%
HK$63,402
baseline
▲ 0.50% · 4.625%
HK$66,744
+HK$3,342/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,804/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,884
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,903
−HK$2,050/mo
Today · 4.125%
HK$68,953
baseline
▲ 0.50% · 4.625%
HK$73,149
+HK$4,196/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$137,906/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,183
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,119
−HK$1,964/mo
Today · 4.125%
HK$76,083
baseline
▲ 0.50% · 4.625%
HK$80,093
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$152,166/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,698
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,053
−HK$2,392/mo
Today · 4.125%
HK$80,445
baseline
▲ 0.50% · 4.625%
HK$85,340
+HK$4,895/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,890/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,214
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,472
−HK$2,291/mo
Today · 4.125%
HK$88,763
baseline
▲ 0.50% · 4.625%
HK$93,442
+HK$4,679/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,526/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,326
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,354
−HK$3,076/mo
Today · 4.125%
HK$103,430
baseline
▲ 0.50% · 4.625%
HK$109,723
+HK$6,293/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,860/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,275
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,179
−HK$2,945/mo
Today · 4.125%
HK$114,124
baseline
▲ 0.50% · 4.625%
HK$120,140
+HK$6,016/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,248/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,775 · Scale 2, in force from 26 Feb 2026)