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$53,822
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,496
−HK$1,701/mo
Today · 4.125%
HK$57,197
baseline
▲ 0.50% · 4.625%
HK$60,677
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,394/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,876
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,482
−HK$1,629/mo
Today · 4.125%
HK$63,111
baseline
▲ 0.50% · 4.625%
HK$66,438
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,222/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,586
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,595
−HK$2,041/mo
Today · 4.125%
HK$68,636
baseline
▲ 0.50% · 4.625%
HK$72,812
+HK$4,176/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,272/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,851
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,778
−HK$1,955/mo
Today · 4.125%
HK$75,733
baseline
▲ 0.50% · 4.625%
HK$79,725
+HK$3,992/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,466/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,350
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,694
−HK$2,381/mo
Today · 4.125%
HK$80,075
baseline
▲ 0.50% · 4.625%
HK$84,948
+HK$4,873/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,150/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,826
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,075
−HK$2,280/mo
Today · 4.125%
HK$88,355
baseline
▲ 0.50% · 4.625%
HK$93,013
+HK$4,658/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,710/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,879
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,892
−HK$3,062/mo
Today · 4.125%
HK$102,954
baseline
▲ 0.50% · 4.625%
HK$109,219
+HK$6,265/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,908/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,777
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,667
−HK$2,933/mo
Today · 4.125%
HK$113,600
baseline
▲ 0.50% · 4.625%
HK$119,588
+HK$5,988/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,200/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,141 · Scale 2, in force from 26 Feb 2026)