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$53,762
−HK$3,371/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$1,002,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,809
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,413
−HK$1,628/mo
Today · 4.125%
HK$63,041
baseline
▲ 0.50% · 4.625%
HK$66,364
+HK$3,323/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,082/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,514
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,521
−HK$2,039/mo
Today · 4.125%
HK$68,560
baseline
▲ 0.50% · 4.625%
HK$72,731
+HK$4,171/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,120/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,771
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,696
−HK$1,953/mo
Today · 4.125%
HK$75,649
baseline
▲ 0.50% · 4.625%
HK$79,636
+HK$3,987/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,298/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,266
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,608
−HK$2,378/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$1,002,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,733
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,979
−HK$2,278/mo
Today · 4.125%
HK$88,257
baseline
▲ 0.50% · 4.625%
HK$92,909
+HK$4,652/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,514/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,771
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,781
−HK$3,058/mo
Today · 4.125%
HK$102,839
baseline
▲ 0.50% · 4.625%
HK$109,097
+HK$6,258/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$1,002,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,657
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,544
−HK$2,929/mo
Today · 4.125%
HK$113,473
baseline
▲ 0.50% · 4.625%
HK$119,454
+HK$5,981/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,946/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,024 · Scale 2, in force from 26 Feb 2026)