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$53,844
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,519
−HK$1,701/mo
Today · 4.125%
HK$57,220
baseline
▲ 0.50% · 4.625%
HK$60,702
+HK$3,482/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,440/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,901
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,507
−HK$1,630/mo
Today · 4.125%
HK$63,137
baseline
▲ 0.50% · 4.625%
HK$66,465
+HK$3,328/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,274/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,613
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,622
−HK$2,042/mo
Today · 4.125%
HK$68,664
baseline
▲ 0.50% · 4.625%
HK$72,843
+HK$4,179/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,328/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,881
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,809
−HK$1,955/mo
Today · 4.125%
HK$75,764
baseline
▲ 0.50% · 4.625%
HK$79,758
+HK$3,994/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,528/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,381
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,726
−HK$2,383/mo
Today · 4.125%
HK$80,109
baseline
▲ 0.50% · 4.625%
HK$84,983
+HK$4,874/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,218/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,861
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,110
−HK$2,282/mo
Today · 4.125%
HK$88,392
baseline
▲ 0.50% · 4.625%
HK$93,051
+HK$4,659/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,784/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,919
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,934
−HK$3,063/mo
Today · 4.125%
HK$102,997
baseline
▲ 0.50% · 4.625%
HK$109,264
+HK$6,267/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$205,994/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,821
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,713
−HK$2,934/mo
Today · 4.125%
HK$113,647
baseline
▲ 0.50% · 4.625%
HK$119,637
+HK$5,990/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,294/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,557 · Scale 2, in force from 26 Feb 2026)