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$54,031
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,711
−HK$1,708/mo
Today · 4.125%
HK$57,419
baseline
▲ 0.50% · 4.625%
HK$60,913
+HK$3,494/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,838/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,007,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,109
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,721
−HK$1,635/mo
Today · 4.125%
HK$63,356
baseline
▲ 0.50% · 4.625%
HK$66,696
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,712/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,007,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,837
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,854
−HK$2,049/mo
Today · 4.125%
HK$68,903
baseline
▲ 0.50% · 4.625%
HK$73,095
+HK$4,192/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,806/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,130
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,065
−HK$1,962/mo
Today · 4.125%
HK$76,027
baseline
▲ 0.50% · 4.625%
HK$80,035
+HK$4,008/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,054/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,643
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,996
−HK$2,390/mo
Today · 4.125%
HK$80,386
baseline
▲ 0.50% · 4.625%
HK$85,278
+HK$4,892/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,772/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,152
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,409
−HK$2,289/mo
Today · 4.125%
HK$88,698
baseline
▲ 0.50% · 4.625%
HK$93,374
+HK$4,676/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,396/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,255
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,280
−HK$3,074/mo
Today · 4.125%
HK$103,354
baseline
▲ 0.50% · 4.625%
HK$109,643
+HK$6,289/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,708/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,195
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,097
−HK$2,944/mo
Today · 4.125%
HK$114,041
baseline
▲ 0.50% · 4.625%
HK$120,052
+HK$6,011/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,082/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,037 · Scale 2, in force from 26 Feb 2026)