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$53,881
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,557
−HK$1,703/mo
Today · 4.125%
HK$57,260
baseline
▲ 0.50% · 4.625%
HK$60,744
+HK$3,484/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,520/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,942
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,550
−HK$1,631/mo
Today · 4.125%
HK$63,181
baseline
▲ 0.50% · 4.625%
HK$66,511
+HK$3,330/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,362/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,658
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,669
−HK$2,043/mo
Today · 4.125%
HK$68,712
baseline
▲ 0.50% · 4.625%
HK$72,893
+HK$4,181/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,424/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,931
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,860
−HK$1,957/mo
Today · 4.125%
HK$75,817
baseline
▲ 0.50% · 4.625%
HK$79,814
+HK$3,997/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,634/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,434
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,780
−HK$2,384/mo
Today · 4.125%
HK$80,164
baseline
▲ 0.50% · 4.625%
HK$85,042
+HK$4,878/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,328/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,919
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,170
−HK$2,283/mo
Today · 4.125%
HK$88,453
baseline
▲ 0.50% · 4.625%
HK$93,116
+HK$4,663/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,906/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,986
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,003
−HK$3,065/mo
Today · 4.125%
HK$103,068
baseline
▲ 0.50% · 4.625%
HK$109,340
+HK$6,272/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,136/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,896
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,790
−HK$2,936/mo
Today · 4.125%
HK$113,726
baseline
▲ 0.50% · 4.625%
HK$119,720
+HK$5,994/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,452/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,255 · Scale 2, in force from 26 Feb 2026)