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$53,952
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,630
−HK$1,705/mo
Today · 4.125%
HK$57,335
baseline
▲ 0.50% · 4.625%
HK$60,824
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,670/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,021
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,630
−HK$1,633/mo
Today · 4.125%
HK$63,263
baseline
▲ 0.50% · 4.625%
HK$66,598
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,526/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,742
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,756
−HK$2,046/mo
Today · 4.125%
HK$68,802
baseline
▲ 0.50% · 4.625%
HK$72,988
+HK$4,186/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$137,604/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,025
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,956
−HK$1,960/mo
Today · 4.125%
HK$75,916
baseline
▲ 0.50% · 4.625%
HK$79,918
+HK$4,002/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$151,832/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,532
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,882
−HK$2,387/mo
Today · 4.125%
HK$80,269
baseline
▲ 0.50% · 4.625%
HK$85,153
+HK$4,884/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,538/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,029
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,283
−HK$2,286/mo
Today · 4.125%
HK$88,569
baseline
▲ 0.50% · 4.625%
HK$93,237
+HK$4,668/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,138/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,113
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,134
−HK$3,069/mo
Today · 4.125%
HK$103,203
baseline
▲ 0.50% · 4.625%
HK$109,482
+HK$6,279/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,406/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,037
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,935
−HK$2,939/mo
Today · 4.125%
HK$113,874
baseline
▲ 0.50% · 4.625%
HK$119,877
+HK$6,003/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,748/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,565 · Scale 2, in force from 26 Feb 2026)