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$53,790
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,463
−HK$1,700/mo
Today · 4.125%
HK$57,163
baseline
▲ 0.50% · 4.625%
HK$60,641
+HK$3,478/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,326/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,840
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,445
−HK$1,628/mo
Today · 4.125%
HK$63,073
baseline
▲ 0.50% · 4.625%
HK$66,398
+HK$3,325/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,146/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,548
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,555
−HK$2,040/mo
Today · 4.125%
HK$68,595
baseline
▲ 0.50% · 4.625%
HK$72,769
+HK$4,174/mo
Deposit HK$9.44M · loan HK$14.15M · min. income ≈ HK$137,190/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,809
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,734
−HK$1,954/mo
Today · 4.125%
HK$75,688
baseline
▲ 0.50% · 4.625%
HK$79,678
+HK$3,990/mo
Deposit HK$9.44M · loan HK$14.15M · min. income ≈ HK$151,376/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,306
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,648
−HK$2,380/mo
Today · 4.125%
HK$80,028
baseline
▲ 0.50% · 4.625%
HK$84,897
+HK$4,869/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$160,056/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,777
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,024
−HK$2,279/mo
Today · 4.125%
HK$88,303
baseline
▲ 0.50% · 4.625%
HK$92,957
+HK$4,654/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$176,606/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,821
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,833
−HK$3,060/mo
Today · 4.125%
HK$102,893
baseline
▲ 0.50% · 4.625%
HK$109,154
+HK$6,261/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$205,786/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,713
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,602
−HK$2,930/mo
Today · 4.125%
HK$113,532
baseline
▲ 0.50% · 4.625%
HK$119,517
+HK$5,985/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$227,064/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,546 · Scale 2, in force from 26 Feb 2026)