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$53,750
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,422
−HK$1,699/mo
Today · 4.125%
HK$57,121
baseline
▲ 0.50% · 4.625%
HK$60,596
+HK$3,475/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,242/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,797
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,400
−HK$1,627/mo
Today · 4.125%
HK$63,027
baseline
▲ 0.50% · 4.625%
HK$66,349
+HK$3,322/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,054/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,500
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,507
−HK$2,038/mo
Today · 4.125%
HK$68,545
baseline
▲ 0.50% · 4.625%
HK$72,716
+HK$4,171/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,090/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,756
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,680
−HK$1,953/mo
Today · 4.125%
HK$75,633
baseline
▲ 0.50% · 4.625%
HK$79,619
+HK$3,986/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,266/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,250
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,591
−HK$2,378/mo
Today · 4.125%
HK$79,969
baseline
▲ 0.50% · 4.625%
HK$84,835
+HK$4,866/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,938/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,715
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,960
−HK$2,278/mo
Today · 4.125%
HK$88,238
baseline
▲ 0.50% · 4.625%
HK$92,889
+HK$4,651/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,476/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,750
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$99,760
−HK$3,057/mo
Today · 4.125%
HK$102,817
baseline
▲ 0.50% · 4.625%
HK$109,074
+HK$6,257/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,634/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,634
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,520
−HK$2,929/mo
Today · 4.125%
HK$113,449
baseline
▲ 0.50% · 4.625%
HK$119,429
+HK$5,980/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,898/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,809 · Scale 2, in force from 26 Feb 2026)