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$53,793
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,466
−HK$1,700/mo
Today · 4.125%
HK$57,166
baseline
▲ 0.50% · 4.625%
HK$60,644
+HK$3,478/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,332/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,844
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,449
−HK$1,628/mo
Today · 4.125%
HK$63,077
baseline
▲ 0.50% · 4.625%
HK$66,402
+HK$3,325/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,154/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,551
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,559
−HK$2,040/mo
Today · 4.125%
HK$68,599
baseline
▲ 0.50% · 4.625%
HK$72,773
+HK$4,174/mo
Deposit HK$9.44M · loan HK$14.15M · min. income ≈ HK$137,198/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,813
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,739
−HK$1,953/mo
Today · 4.125%
HK$75,692
baseline
▲ 0.50% · 4.625%
HK$79,682
+HK$3,990/mo
Deposit HK$9.44M · loan HK$14.15M · min. income ≈ HK$151,384/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,310
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,652
−HK$2,380/mo
Today · 4.125%
HK$80,032
baseline
▲ 0.50% · 4.625%
HK$84,902
+HK$4,870/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$160,064/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,781
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,028
−HK$2,280/mo
Today · 4.125%
HK$88,308
baseline
▲ 0.50% · 4.625%
HK$92,963
+HK$4,655/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$176,616/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,827
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,839
−HK$3,060/mo
Today · 4.125%
HK$102,899
baseline
▲ 0.50% · 4.625%
HK$109,160
+HK$6,261/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$205,798/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,719
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$110,608
−HK$2,931/mo
Today · 4.125%
HK$113,539
baseline
▲ 0.50% · 4.625%
HK$119,523
+HK$5,984/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$227,078/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,602 · Scale 2, in force from 26 Feb 2026)