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$53,917
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,595
−HK$1,704/mo
Today · 4.125%
HK$57,299
baseline
▲ 0.50% · 4.625%
HK$60,785
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,598/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,983
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,591
−HK$1,632/mo
Today · 4.125%
HK$63,223
baseline
▲ 0.50% · 4.625%
HK$66,556
+HK$3,333/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,446/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,701
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,713
−HK$2,045/mo
Today · 4.125%
HK$68,758
baseline
▲ 0.50% · 4.625%
HK$72,942
+HK$4,184/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,516/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,979
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,910
−HK$1,958/mo
Today · 4.125%
HK$75,868
baseline
▲ 0.50% · 4.625%
HK$79,867
+HK$3,999/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,736/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,484
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,832
−HK$2,386/mo
Today · 4.125%
HK$80,218
baseline
▲ 0.50% · 4.625%
HK$85,099
+HK$4,881/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,436/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,976
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,228
−HK$2,285/mo
Today · 4.125%
HK$88,513
baseline
▲ 0.50% · 4.625%
HK$93,178
+HK$4,665/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,026/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,051
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,070
−HK$3,067/mo
Today · 4.125%
HK$103,137
baseline
▲ 0.50% · 4.625%
HK$109,413
+HK$6,276/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,274/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,969
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,864
−HK$2,938/mo
Today · 4.125%
HK$113,802
baseline
▲ 0.50% · 4.625%
HK$119,801
+HK$5,999/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,604/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,927 · Scale 2, in force from 26 Feb 2026)