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$53,819
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,493
−HK$1,701/mo
Today · 4.125%
HK$57,194
baseline
▲ 0.50% · 4.625%
HK$60,674
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,388/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,873
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,479
−HK$1,629/mo
Today · 4.125%
HK$63,108
baseline
▲ 0.50% · 4.625%
HK$66,435
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,216/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,583
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,592
−HK$2,041/mo
Today · 4.125%
HK$68,633
baseline
▲ 0.50% · 4.625%
HK$72,809
+HK$4,176/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,266/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,848
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,775
−HK$1,955/mo
Today · 4.125%
HK$75,730
baseline
▲ 0.50% · 4.625%
HK$79,722
+HK$3,992/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,460/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,347
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,691
−HK$2,381/mo
Today · 4.125%
HK$80,072
baseline
▲ 0.50% · 4.625%
HK$84,944
+HK$4,872/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,144/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,823
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,071
−HK$2,281/mo
Today · 4.125%
HK$88,352
baseline
▲ 0.50% · 4.625%
HK$93,009
+HK$4,657/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,704/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,875
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,888
−HK$3,062/mo
Today · 4.125%
HK$102,950
baseline
▲ 0.50% · 4.625%
HK$109,214
+HK$6,264/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,900/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,772
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,663
−HK$2,932/mo
Today · 4.125%
HK$113,595
baseline
▲ 0.50% · 4.625%
HK$119,583
+HK$5,988/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,190/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,099 · Scale 2, in force from 26 Feb 2026)