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$53,808
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,482
−HK$1,701/mo
Today · 4.125%
HK$57,183
baseline
▲ 0.50% · 4.625%
HK$60,662
+HK$3,479/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,366/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,861
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,467
−HK$1,629/mo
Today · 4.125%
HK$63,096
baseline
▲ 0.50% · 4.625%
HK$66,421
+HK$3,325/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,192/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,570
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,579
−HK$2,040/mo
Today · 4.125%
HK$68,619
baseline
▲ 0.50% · 4.625%
HK$72,795
+HK$4,176/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,238/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,834
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,760
−HK$1,955/mo
Today · 4.125%
HK$75,715
baseline
▲ 0.50% · 4.625%
HK$79,706
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,430/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,332
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,675
−HK$2,381/mo
Today · 4.125%
HK$80,056
baseline
▲ 0.50% · 4.625%
HK$84,927
+HK$4,871/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,112/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,806
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,054
−HK$2,280/mo
Today · 4.125%
HK$88,334
baseline
▲ 0.50% · 4.625%
HK$92,990
+HK$4,656/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,668/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,855
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,868
−HK$3,061/mo
Today · 4.125%
HK$102,929
baseline
▲ 0.50% · 4.625%
HK$109,192
+HK$6,263/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,858/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,751
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,640
−HK$2,932/mo
Today · 4.125%
HK$113,572
baseline
▲ 0.50% · 4.625%
HK$119,558
+HK$5,986/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,144/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,897 · Scale 2, in force from 26 Feb 2026)