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$54,108
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,791
−HK$1,710/mo
Today · 4.125%
HK$57,501
baseline
▲ 0.50% · 4.625%
HK$61,000
+HK$3,499/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$115,002/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,195
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,809
−HK$1,638/mo
Today · 4.125%
HK$63,447
baseline
▲ 0.50% · 4.625%
HK$66,791
+HK$3,344/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,894/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,930
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,950
−HK$2,052/mo
Today · 4.125%
HK$69,002
baseline
▲ 0.50% · 4.625%
HK$73,200
+HK$4,198/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,004/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,234
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,171
−HK$1,965/mo
Today · 4.125%
HK$76,136
baseline
▲ 0.50% · 4.625%
HK$80,150
+HK$4,014/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,272/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,752
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,108
−HK$2,394/mo
Today · 4.125%
HK$80,502
baseline
▲ 0.50% · 4.625%
HK$85,400
+HK$4,898/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$161,004/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,273
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,533
−HK$2,293/mo
Today · 4.125%
HK$88,826
baseline
▲ 0.50% · 4.625%
HK$93,508
+HK$4,682/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,652/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,395
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,424
−HK$3,078/mo
Today · 4.125%
HK$103,502
baseline
▲ 0.50% · 4.625%
HK$109,800
+HK$6,298/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,004/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,351
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$111,257
−HK$2,948/mo
Today · 4.125%
HK$114,205
baseline
▲ 0.50% · 4.625%
HK$120,225
+HK$6,020/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,410/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,485 · Scale 2, in force from 26 Feb 2026)