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$53,812
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,486
−HK$1,700/mo
Today · 4.125%
HK$57,186
baseline
▲ 0.50% · 4.625%
HK$60,666
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,372/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,865
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,471
−HK$1,629/mo
Today · 4.125%
HK$63,100
baseline
▲ 0.50% · 4.625%
HK$66,426
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,200/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,574
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,583
−HK$2,041/mo
Today · 4.125%
HK$68,624
baseline
▲ 0.50% · 4.625%
HK$72,799
+HK$4,175/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,248/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,838
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,765
−HK$1,954/mo
Today · 4.125%
HK$75,719
baseline
▲ 0.50% · 4.625%
HK$79,711
+HK$3,992/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,438/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,337
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,680
−HK$2,381/mo
Today · 4.125%
HK$80,061
baseline
▲ 0.50% · 4.625%
HK$84,933
+HK$4,872/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,122/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,811
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,059
−HK$2,280/mo
Today · 4.125%
HK$88,339
baseline
▲ 0.50% · 4.625%
HK$92,996
+HK$4,657/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,678/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,861
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,874
−HK$3,062/mo
Today · 4.125%
HK$102,936
baseline
▲ 0.50% · 4.625%
HK$109,199
+HK$6,263/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,872/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,757
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,647
−HK$2,932/mo
Today · 4.125%
HK$113,579
baseline
▲ 0.50% · 4.625%
HK$119,566
+HK$5,987/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,158/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,961 · Scale 2, in force from 26 Feb 2026)