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$54,105
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,788
−HK$1,710/mo
Today · 4.125%
HK$57,498
baseline
▲ 0.50% · 4.625%
HK$60,997
+HK$3,499/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,996/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,191
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,806
−HK$1,637/mo
Today · 4.125%
HK$63,443
baseline
▲ 0.50% · 4.625%
HK$66,787
+HK$3,344/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,886/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,926
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,946
−HK$2,052/mo
Today · 4.125%
HK$68,998
baseline
▲ 0.50% · 4.625%
HK$73,196
+HK$4,198/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$137,996/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,230
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,167
−HK$1,965/mo
Today · 4.125%
HK$76,132
baseline
▲ 0.50% · 4.625%
HK$80,145
+HK$4,013/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,264/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,747
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,103
−HK$2,394/mo
Today · 4.125%
HK$80,497
baseline
▲ 0.50% · 4.625%
HK$85,395
+HK$4,898/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$160,994/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,268
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,528
−HK$2,293/mo
Today · 4.125%
HK$88,821
baseline
▲ 0.50% · 4.625%
HK$93,502
+HK$4,681/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,642/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,389
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,418
−HK$3,078/mo
Today · 4.125%
HK$103,496
baseline
▲ 0.50% · 4.625%
HK$109,794
+HK$6,298/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,992/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,344
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$111,250
−HK$2,948/mo
Today · 4.125%
HK$114,198
baseline
▲ 0.50% · 4.625%
HK$120,217
+HK$6,019/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,396/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,425 · Scale 2, in force from 26 Feb 2026)