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$54,056
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,738
−HK$1,708/mo
Today · 4.125%
HK$57,446
baseline
▲ 0.50% · 4.625%
HK$60,941
+HK$3,495/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,892/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,137
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,750
−HK$1,636/mo
Today · 4.125%
HK$63,386
baseline
▲ 0.50% · 4.625%
HK$66,727
+HK$3,341/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,772/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,867
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,885
−HK$2,050/mo
Today · 4.125%
HK$68,935
baseline
▲ 0.50% · 4.625%
HK$73,130
+HK$4,195/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,870/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,164
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,100
−HK$1,963/mo
Today · 4.125%
HK$76,063
baseline
▲ 0.50% · 4.625%
HK$80,073
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,126/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,679
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,033
−HK$2,391/mo
Today · 4.125%
HK$80,424
baseline
▲ 0.50% · 4.625%
HK$85,318
+HK$4,894/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,848/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,192
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,450
−HK$2,290/mo
Today · 4.125%
HK$88,740
baseline
▲ 0.50% · 4.625%
HK$93,418
+HK$4,678/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,480/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,301
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,328
−HK$3,075/mo
Today · 4.125%
HK$103,403
baseline
▲ 0.50% · 4.625%
HK$109,695
+HK$6,292/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,806/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,247
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,150
−HK$2,945/mo
Today · 4.125%
HK$114,095
baseline
▲ 0.50% · 4.625%
HK$120,109
+HK$6,014/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,190/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,514 · Scale 2, in force from 26 Feb 2026)