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$53,887
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,563
−HK$1,703/mo
Today · 4.125%
HK$57,266
baseline
▲ 0.50% · 4.625%
HK$60,750
+HK$3,484/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,532/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,949
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,556
−HK$1,631/mo
Today · 4.125%
HK$63,187
baseline
▲ 0.50% · 4.625%
HK$66,518
+HK$3,331/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,374/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,664
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,676
−HK$2,043/mo
Today · 4.125%
HK$68,719
baseline
▲ 0.50% · 4.625%
HK$72,901
+HK$4,182/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,438/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,938
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,868
−HK$1,957/mo
Today · 4.125%
HK$75,825
baseline
▲ 0.50% · 4.625%
HK$79,822
+HK$3,997/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,650/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,441
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,788
−HK$2,384/mo
Today · 4.125%
HK$80,172
baseline
▲ 0.50% · 4.625%
HK$85,051
+HK$4,879/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,344/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,928
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,179
−HK$2,283/mo
Today · 4.125%
HK$88,462
baseline
▲ 0.50% · 4.625%
HK$93,125
+HK$4,663/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,924/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,996
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,013
−HK$3,066/mo
Today · 4.125%
HK$103,079
baseline
▲ 0.50% · 4.625%
HK$109,351
+HK$6,272/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,158/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,907
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,801
−HK$2,936/mo
Today · 4.125%
HK$113,737
baseline
▲ 0.50% · 4.625%
HK$119,732
+HK$5,995/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,474/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,356 · Scale 2, in force from 26 Feb 2026)