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$54,066
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,748
−HK$1,709/mo
Today · 4.125%
HK$57,457
baseline
▲ 0.50% · 4.625%
HK$60,953
+HK$3,496/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,914/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,148
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,761
−HK$1,637/mo
Today · 4.125%
HK$63,398
baseline
▲ 0.50% · 4.625%
HK$66,740
+HK$3,342/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,796/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,880
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,898
−HK$2,050/mo
Today · 4.125%
HK$68,948
baseline
▲ 0.50% · 4.625%
HK$73,143
+HK$4,195/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$137,896/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,178
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,114
−HK$1,963/mo
Today · 4.125%
HK$76,077
baseline
▲ 0.50% · 4.625%
HK$80,088
+HK$4,011/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$152,154/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,693
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,047
−HK$2,392/mo
Today · 4.125%
HK$80,439
baseline
▲ 0.50% · 4.625%
HK$85,334
+HK$4,895/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,878/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,208
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,466
−HK$2,291/mo
Today · 4.125%
HK$88,757
baseline
▲ 0.50% · 4.625%
HK$93,435
+HK$4,678/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,514/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,319
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,347
−HK$3,075/mo
Today · 4.125%
HK$103,422
baseline
▲ 0.50% · 4.625%
HK$109,715
+HK$6,293/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,844/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,267
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,170
−HK$2,946/mo
Today · 4.125%
HK$114,116
baseline
▲ 0.50% · 4.625%
HK$120,131
+HK$6,015/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,232/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,702 · Scale 2, in force from 26 Feb 2026)