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$54,103
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,786
−HK$1,709/mo
Today · 4.125%
HK$57,495
baseline
▲ 0.50% · 4.625%
HK$60,994
+HK$3,499/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,990/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,189
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,803
−HK$1,637/mo
Today · 4.125%
HK$63,440
baseline
▲ 0.50% · 4.625%
HK$66,785
+HK$3,345/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,880/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,923
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,943
−HK$2,051/mo
Today · 4.125%
HK$68,994
baseline
▲ 0.50% · 4.625%
HK$73,193
+HK$4,199/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$137,988/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,226
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,163
−HK$1,966/mo
Today · 4.125%
HK$76,129
baseline
▲ 0.50% · 4.625%
HK$80,141
+HK$4,012/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,258/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,744
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,100
−HK$2,394/mo
Today · 4.125%
HK$80,494
baseline
▲ 0.50% · 4.625%
HK$85,391
+HK$4,897/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$160,988/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,264
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,524
−HK$2,293/mo
Today · 4.125%
HK$88,817
baseline
▲ 0.50% · 4.625%
HK$93,498
+HK$4,681/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,634/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,385
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,414
−HK$3,078/mo
Today · 4.125%
HK$103,492
baseline
▲ 0.50% · 4.625%
HK$109,789
+HK$6,297/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,984/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,340
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,245
−HK$2,948/mo
Today · 4.125%
HK$114,193
baseline
▲ 0.50% · 4.625%
HK$120,212
+HK$6,019/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,386/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,380 · Scale 2, in force from 26 Feb 2026)