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$53,757
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,429
−HK$1,699/mo
Today · 4.125%
HK$57,128
baseline
▲ 0.50% · 4.625%
HK$60,604
+HK$3,476/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,256/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,804
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,408
−HK$1,627/mo
Today · 4.125%
HK$63,035
baseline
▲ 0.50% · 4.625%
HK$66,357
+HK$3,322/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,070/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,508
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,514
−HK$2,039/mo
Today · 4.125%
HK$68,553
baseline
▲ 0.50% · 4.625%
HK$72,724
+HK$4,171/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,106/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,764
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,689
−HK$1,953/mo
Today · 4.125%
HK$75,642
baseline
▲ 0.50% · 4.625%
HK$79,629
+HK$3,987/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,284/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,259
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,600
−HK$2,379/mo
Today · 4.125%
HK$79,979
baseline
▲ 0.50% · 4.625%
HK$84,845
+HK$4,866/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,958/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,725
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,971
−HK$2,278/mo
Today · 4.125%
HK$88,249
baseline
▲ 0.50% · 4.625%
HK$92,900
+HK$4,651/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,498/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,762
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,772
−HK$3,058/mo
Today · 4.125%
HK$102,830
baseline
▲ 0.50% · 4.625%
HK$109,087
+HK$6,257/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,660/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,647
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,534
−HK$2,928/mo
Today · 4.125%
HK$113,462
baseline
▲ 0.50% · 4.625%
HK$119,443
+HK$5,981/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,924/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,929 · Scale 2, in force from 26 Feb 2026)