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$53,989
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,669
−HK$1,706/mo
Today · 4.125%
HK$57,375
baseline
▲ 0.50% · 4.625%
HK$60,866
+HK$3,491/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,750/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,063
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,673
−HK$1,635/mo
Today · 4.125%
HK$63,308
baseline
▲ 0.50% · 4.625%
HK$66,645
+HK$3,337/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,616/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,787
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,802
−HK$2,048/mo
Today · 4.125%
HK$68,850
baseline
▲ 0.50% · 4.625%
HK$73,039
+HK$4,189/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$137,700/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,075
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,008
−HK$1,961/mo
Today · 4.125%
HK$75,969
baseline
▲ 0.50% · 4.625%
HK$79,973
+HK$4,004/mo
Deposit HK$9.47M · loan HK$14.21M · min. income ≈ HK$151,938/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,585
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,936
−HK$2,389/mo
Today · 4.125%
HK$80,325
baseline
▲ 0.50% · 4.625%
HK$85,212
+HK$4,887/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,650/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,088
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,343
−HK$2,288/mo
Today · 4.125%
HK$88,631
baseline
▲ 0.50% · 4.625%
HK$93,302
+HK$4,671/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,262/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,181
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,204
−HK$3,071/mo
Today · 4.125%
HK$103,275
baseline
▲ 0.50% · 4.625%
HK$109,559
+HK$6,284/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$206,550/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,113
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,012
−HK$2,942/mo
Today · 4.125%
HK$113,954
baseline
▲ 0.50% · 4.625%
HK$119,960
+HK$6,006/mo
Deposit HK$2.37M · loan HK$21.31M · min. income ≈ HK$227,908/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,266 · Scale 2, in force from 26 Feb 2026)