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$53,761
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,434
−HK$1,699/mo
Today · 4.125%
HK$57,133
baseline
▲ 0.50% · 4.625%
HK$60,609
+HK$3,476/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,266/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,809
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,413
−HK$1,627/mo
Today · 4.125%
HK$63,040
baseline
▲ 0.50% · 4.625%
HK$66,363
+HK$3,323/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,080/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,514
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,520
−HK$2,039/mo
Today · 4.125%
HK$68,559
baseline
▲ 0.50% · 4.625%
HK$72,731
+HK$4,172/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,118/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,771
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,696
−HK$1,952/mo
Today · 4.125%
HK$75,648
baseline
▲ 0.50% · 4.625%
HK$79,636
+HK$3,988/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,296/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,266
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,607
−HK$2,379/mo
Today · 4.125%
HK$79,986
baseline
▲ 0.50% · 4.625%
HK$84,853
+HK$4,867/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,972/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,733
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,978
−HK$2,278/mo
Today · 4.125%
HK$88,256
baseline
▲ 0.50% · 4.625%
HK$92,908
+HK$4,652/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,512/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,770
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$99,781
−HK$3,058/mo
Today · 4.125%
HK$102,839
baseline
▲ 0.50% · 4.625%
HK$109,096
+HK$6,257/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,678/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,656
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,543
−HK$2,929/mo
Today · 4.125%
HK$113,472
baseline
▲ 0.50% · 4.625%
HK$119,454
+HK$5,982/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,944/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,018 · Scale 2, in force from 26 Feb 2026)