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$53,728
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,399
−HK$1,698/mo
Today · 4.125%
HK$57,097
baseline
▲ 0.50% · 4.625%
HK$60,571
+HK$3,474/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,194/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,771
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,374
−HK$1,627/mo
Today · 4.125%
HK$63,001
baseline
▲ 0.50% · 4.625%
HK$66,321
+HK$3,320/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,002/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,473
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,478
−HK$2,038/mo
Today · 4.125%
HK$68,516
baseline
▲ 0.50% · 4.625%
HK$72,685
+HK$4,169/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$137,032/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,726
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,649
−HK$1,952/mo
Today · 4.125%
HK$75,601
baseline
▲ 0.50% · 4.625%
HK$79,586
+HK$3,985/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$151,202/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,219
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,558
−HK$2,377/mo
Today · 4.125%
HK$79,935
baseline
▲ 0.50% · 4.625%
HK$84,799
+HK$4,864/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,870/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,680
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,924
−HK$2,277/mo
Today · 4.125%
HK$88,201
baseline
▲ 0.50% · 4.625%
HK$92,850
+HK$4,649/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,402/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,710
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,718
−HK$3,056/mo
Today · 4.125%
HK$102,774
baseline
▲ 0.50% · 4.625%
HK$109,028
+HK$6,254/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,548/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,588
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,474
−HK$2,927/mo
Today · 4.125%
HK$113,401
baseline
▲ 0.50% · 4.625%
HK$119,379
+HK$5,978/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,802/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,387 · Scale 2, in force from 26 Feb 2026)