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$53,900
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,577
−HK$1,703/mo
Today · 4.125%
HK$57,280
baseline
▲ 0.50% · 4.625%
HK$60,766
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,560/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,964
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,572
−HK$1,631/mo
Today · 4.125%
HK$63,203
baseline
▲ 0.50% · 4.625%
HK$66,535
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,406/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,680
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,692
−HK$2,044/mo
Today · 4.125%
HK$68,736
baseline
▲ 0.50% · 4.625%
HK$72,919
+HK$4,183/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$137,472/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,956
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,886
−HK$1,958/mo
Today · 4.125%
HK$75,844
baseline
▲ 0.50% · 4.625%
HK$79,842
+HK$3,998/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$151,688/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,461
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,808
−HK$2,385/mo
Today · 4.125%
HK$80,193
baseline
▲ 0.50% · 4.625%
HK$85,072
+HK$4,879/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,386/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,949
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,201
−HK$2,284/mo
Today · 4.125%
HK$88,485
baseline
▲ 0.50% · 4.625%
HK$93,149
+HK$4,664/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$176,970/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,021
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,039
−HK$3,066/mo
Today · 4.125%
HK$103,105
baseline
▲ 0.50% · 4.625%
HK$109,378
+HK$6,273/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,210/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,934
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,829
−HK$2,937/mo
Today · 4.125%
HK$113,766
baseline
▲ 0.50% · 4.625%
HK$119,763
+HK$5,997/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,532/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,609 · Scale 2, in force from 26 Feb 2026)