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$53,733
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,405
−HK$1,698/mo
Today · 4.125%
HK$57,103
baseline
▲ 0.50% · 4.625%
HK$60,578
+HK$3,475/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,206/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,778
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,381
−HK$1,627/mo
Today · 4.125%
HK$63,008
baseline
▲ 0.50% · 4.625%
HK$66,329
+HK$3,321/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,016/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,480
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,486
−HK$2,038/mo
Today · 4.125%
HK$68,524
baseline
▲ 0.50% · 4.625%
HK$72,693
+HK$4,169/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,048/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,733
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,657
−HK$1,952/mo
Today · 4.125%
HK$75,609
baseline
▲ 0.50% · 4.625%
HK$79,594
+HK$3,985/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,218/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,227
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,567
−HK$2,377/mo
Today · 4.125%
HK$79,944
baseline
▲ 0.50% · 4.625%
HK$84,809
+HK$4,865/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,888/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,689
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,934
−HK$2,277/mo
Today · 4.125%
HK$88,211
baseline
▲ 0.50% · 4.625%
HK$92,860
+HK$4,649/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,422/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,720
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,729
−HK$3,056/mo
Today · 4.125%
HK$102,785
baseline
▲ 0.50% · 4.625%
HK$109,040
+HK$6,255/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,570/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,600
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,486
−HK$2,928/mo
Today · 4.125%
HK$113,414
baseline
▲ 0.50% · 4.625%
HK$119,392
+HK$5,978/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,828/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,498 · Scale 2, in force from 26 Feb 2026)