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$53,722
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,393
−HK$1,698/mo
Today · 4.125%
HK$57,091
baseline
▲ 0.50% · 4.625%
HK$60,565
+HK$3,474/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,182/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,766
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,368
−HK$1,627/mo
Today · 4.125%
HK$62,995
baseline
▲ 0.50% · 4.625%
HK$66,315
+HK$3,320/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,990/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,467
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,472
−HK$2,037/mo
Today · 4.125%
HK$68,509
baseline
▲ 0.50% · 4.625%
HK$72,678
+HK$4,169/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$137,018/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,719
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,642
−HK$1,951/mo
Today · 4.125%
HK$75,593
baseline
▲ 0.50% · 4.625%
HK$79,578
+HK$3,985/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$151,186/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,211
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,551
−HK$2,377/mo
Today · 4.125%
HK$79,928
baseline
▲ 0.50% · 4.625%
HK$84,791
+HK$4,863/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,856/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,672
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,916
−HK$2,276/mo
Today · 4.125%
HK$88,192
baseline
▲ 0.50% · 4.625%
HK$92,841
+HK$4,649/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,384/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,700
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,708
−HK$3,056/mo
Today · 4.125%
HK$102,764
baseline
▲ 0.50% · 4.625%
HK$109,017
+HK$6,253/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,528/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,578
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,463
−HK$2,927/mo
Today · 4.125%
HK$113,390
baseline
▲ 0.50% · 4.625%
HK$119,367
+HK$5,977/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,780/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,292 · Scale 2, in force from 26 Feb 2026)