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$53,760
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,432
−HK$1,699/mo
Today · 4.125%
HK$57,131
baseline
▲ 0.50% · 4.625%
HK$60,607
+HK$3,476/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,262/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,807
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,411
−HK$1,628/mo
Today · 4.125%
HK$63,039
baseline
▲ 0.50% · 4.625%
HK$66,361
+HK$3,322/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,078/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,512
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,519
−HK$2,038/mo
Today · 4.125%
HK$68,557
baseline
▲ 0.50% · 4.625%
HK$72,729
+HK$4,172/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,114/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,769
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,694
−HK$1,952/mo
Today · 4.125%
HK$75,646
baseline
▲ 0.50% · 4.625%
HK$79,634
+HK$3,988/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,292/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,264
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,605
−HK$2,379/mo
Today · 4.125%
HK$79,984
baseline
▲ 0.50% · 4.625%
HK$84,850
+HK$4,866/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,968/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,730
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,976
−HK$2,278/mo
Today · 4.125%
HK$88,254
baseline
▲ 0.50% · 4.625%
HK$92,906
+HK$4,652/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,508/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,768
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,778
−HK$3,058/mo
Today · 4.125%
HK$102,836
baseline
▲ 0.50% · 4.625%
HK$109,093
+HK$6,257/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,672/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,653
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,541
−HK$2,929/mo
Today · 4.125%
HK$113,470
baseline
▲ 0.50% · 4.625%
HK$119,451
+HK$5,981/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,940/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,992 · Scale 2, in force from 26 Feb 2026)