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$53,775
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,448
−HK$1,699/mo
Today · 4.125%
HK$57,147
baseline
▲ 0.50% · 4.625%
HK$60,625
+HK$3,478/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,294/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,824
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,429
−HK$1,628/mo
Today · 4.125%
HK$63,057
baseline
▲ 0.50% · 4.625%
HK$66,380
+HK$3,323/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,114/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,530
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,538
−HK$2,039/mo
Today · 4.125%
HK$68,577
baseline
▲ 0.50% · 4.625%
HK$72,750
+HK$4,173/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,154/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,789
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,715
−HK$1,953/mo
Today · 4.125%
HK$75,668
baseline
▲ 0.50% · 4.625%
HK$79,656
+HK$3,988/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,336/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,285
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,627
−HK$2,379/mo
Today · 4.125%
HK$80,006
baseline
▲ 0.50% · 4.625%
HK$84,875
+HK$4,869/mo
Deposit HK$7.07M · loan HK$16.51M · min. income ≈ HK$160,012/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,754
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$86,000
−HK$2,279/mo
Today · 4.125%
HK$88,279
baseline
▲ 0.50% · 4.625%
HK$92,933
+HK$4,654/mo
Deposit HK$7.07M · loan HK$16.51M · min. income ≈ HK$176,558/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,796
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$99,806
−HK$3,059/mo
Today · 4.125%
HK$102,865
baseline
▲ 0.50% · 4.625%
HK$109,125
+HK$6,260/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,730/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,684
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,572
−HK$2,930/mo
Today · 4.125%
HK$113,502
baseline
▲ 0.50% · 4.625%
HK$119,485
+HK$5,983/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$227,004/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,278 · Scale 2, in force from 26 Feb 2026)