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$54,111
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,794
−HK$1,710/mo
Today · 4.125%
HK$57,504
baseline
▲ 0.50% · 4.625%
HK$61,003
+HK$3,499/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,008/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,198
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,812
−HK$1,638/mo
Today · 4.125%
HK$63,450
baseline
▲ 0.50% · 4.625%
HK$66,795
+HK$3,345/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,900/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,933
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,953
−HK$2,052/mo
Today · 4.125%
HK$69,005
baseline
▲ 0.50% · 4.625%
HK$73,204
+HK$4,199/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,010/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,238
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,175
−HK$1,965/mo
Today · 4.125%
HK$76,140
baseline
▲ 0.50% · 4.625%
HK$80,154
+HK$4,014/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,280/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,755
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,112
−HK$2,394/mo
Today · 4.125%
HK$80,506
baseline
▲ 0.50% · 4.625%
HK$85,405
+HK$4,899/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$161,012/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,277
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,537
−HK$2,293/mo
Today · 4.125%
HK$88,830
baseline
▲ 0.50% · 4.625%
HK$93,513
+HK$4,683/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,660/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,400
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$100,430
−HK$3,078/mo
Today · 4.125%
HK$103,508
baseline
▲ 0.50% · 4.625%
HK$109,806
+HK$6,298/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,016/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,356
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,262
−HK$2,949/mo
Today · 4.125%
HK$114,211
baseline
▲ 0.50% · 4.625%
HK$120,231
+HK$6,020/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,422/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,536 · Scale 2, in force from 26 Feb 2026)