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$53,804
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,478
−HK$1,700/mo
Today · 4.125%
HK$57,178
baseline
▲ 0.50% · 4.625%
HK$60,657
+HK$3,479/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,356/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,856
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,462
−HK$1,628/mo
Today · 4.125%
HK$63,090
baseline
▲ 0.50% · 4.625%
HK$66,416
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,180/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,565
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,573
−HK$2,041/mo
Today · 4.125%
HK$68,614
baseline
▲ 0.50% · 4.625%
HK$72,788
+HK$4,174/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,228/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,828
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,754
−HK$1,954/mo
Today · 4.125%
HK$75,708
baseline
▲ 0.50% · 4.625%
HK$79,699
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,416/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,326
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,669
−HK$2,380/mo
Today · 4.125%
HK$80,049
baseline
▲ 0.50% · 4.625%
HK$84,920
+HK$4,871/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,098/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,799
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,046
−HK$2,280/mo
Today · 4.125%
HK$88,326
baseline
▲ 0.50% · 4.625%
HK$92,982
+HK$4,656/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,652/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,847
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,860
−HK$3,060/mo
Today · 4.125%
HK$102,920
baseline
▲ 0.50% · 4.625%
HK$109,183
+HK$6,263/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,840/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,741
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,631
−HK$2,931/mo
Today · 4.125%
HK$113,562
baseline
▲ 0.50% · 4.625%
HK$119,548
+HK$5,986/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,124/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,812 · Scale 2, in force from 26 Feb 2026)