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$53,735
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,407
−HK$1,698/mo
Today · 4.125%
HK$57,105
baseline
▲ 0.50% · 4.625%
HK$60,579
+HK$3,474/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,210/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,780
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,383
−HK$1,627/mo
Today · 4.125%
HK$63,010
baseline
▲ 0.50% · 4.625%
HK$66,331
+HK$3,321/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,020/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,482
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,488
−HK$2,038/mo
Today · 4.125%
HK$68,526
baseline
▲ 0.50% · 4.625%
HK$72,695
+HK$4,169/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,052/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,736
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,660
−HK$1,951/mo
Today · 4.125%
HK$75,611
baseline
▲ 0.50% · 4.625%
HK$79,597
+HK$3,986/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,222/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,229
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,569
−HK$2,378/mo
Today · 4.125%
HK$79,947
baseline
▲ 0.50% · 4.625%
HK$84,811
+HK$4,864/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,894/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,692
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,936
−HK$2,277/mo
Today · 4.125%
HK$88,213
baseline
▲ 0.50% · 4.625%
HK$92,863
+HK$4,650/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,426/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,723
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,732
−HK$3,057/mo
Today · 4.125%
HK$102,789
baseline
▲ 0.50% · 4.625%
HK$109,043
+HK$6,254/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,578/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,604
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,489
−HK$2,928/mo
Today · 4.125%
HK$113,417
baseline
▲ 0.50% · 4.625%
HK$119,395
+HK$5,978/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,834/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,529 · Scale 2, in force from 26 Feb 2026)