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$53,823
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,497
−HK$1,701/mo
Today · 4.125%
HK$57,198
baseline
▲ 0.50% · 4.625%
HK$60,678
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,396/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,877
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,483
−HK$1,629/mo
Today · 4.125%
HK$63,112
baseline
▲ 0.50% · 4.625%
HK$66,439
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,224/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,587
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,596
−HK$2,041/mo
Today · 4.125%
HK$68,637
baseline
▲ 0.50% · 4.625%
HK$72,814
+HK$4,177/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,274/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,853
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,780
−HK$1,954/mo
Today · 4.125%
HK$75,734
baseline
▲ 0.50% · 4.625%
HK$79,727
+HK$3,993/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,468/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,352
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,695
−HK$2,382/mo
Today · 4.125%
HK$80,077
baseline
▲ 0.50% · 4.625%
HK$84,949
+HK$4,872/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,154/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,828
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,076
−HK$2,281/mo
Today · 4.125%
HK$88,357
baseline
▲ 0.50% · 4.625%
HK$93,014
+HK$4,657/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,714/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,881
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,894
−HK$3,062/mo
Today · 4.125%
HK$102,956
baseline
▲ 0.50% · 4.625%
HK$109,221
+HK$6,265/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,912/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,779
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,669
−HK$2,933/mo
Today · 4.125%
HK$113,602
baseline
▲ 0.50% · 4.625%
HK$119,590
+HK$5,988/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,204/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,160 · Scale 2, in force from 26 Feb 2026)