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$53,919
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,596
−HK$1,704/mo
Today · 4.125%
HK$57,300
baseline
▲ 0.50% · 4.625%
HK$60,786
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,600/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,984
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,593
−HK$1,632/mo
Today · 4.125%
HK$63,225
baseline
▲ 0.50% · 4.625%
HK$66,557
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,450/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,702
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,715
−HK$2,045/mo
Today · 4.125%
HK$68,760
baseline
▲ 0.50% · 4.625%
HK$72,944
+HK$4,184/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,520/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,981
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,911
−HK$1,959/mo
Today · 4.125%
HK$75,870
baseline
▲ 0.50% · 4.625%
HK$79,869
+HK$3,999/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,740/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,486
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,834
−HK$2,386/mo
Today · 4.125%
HK$80,220
baseline
▲ 0.50% · 4.625%
HK$85,101
+HK$4,881/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,440/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,978
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,230
−HK$2,285/mo
Today · 4.125%
HK$88,515
baseline
▲ 0.50% · 4.625%
HK$93,180
+HK$4,665/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,030/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,054
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,072
−HK$3,068/mo
Today · 4.125%
HK$103,140
baseline
▲ 0.50% · 4.625%
HK$109,415
+HK$6,275/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,280/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,971
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,867
−HK$2,937/mo
Today · 4.125%
HK$113,804
baseline
▲ 0.50% · 4.625%
HK$119,803
+HK$5,999/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,608/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,950 · Scale 2, in force from 26 Feb 2026)