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$3,375/mo
▼ 0.25% · 3.875%
HK$55,478
−HK$1,701/mo
Today · 4.125%
HK$57,179
baseline
▲ 0.50% · 4.625%
HK$60,658
+HK$3,479/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,358/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,857
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,462
−HK$1,629/mo
Today · 4.125%
HK$63,091
baseline
▲ 0.50% · 4.625%
HK$66,416
+HK$3,325/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,182/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,565
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,574
−HK$2,040/mo
Today · 4.125%
HK$68,614
baseline
▲ 0.50% · 4.625%
HK$72,789
+HK$4,175/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$1,002,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,828
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,755
−HK$1,954/mo
Today · 4.125%
HK$75,709
baseline
▲ 0.50% · 4.625%
HK$79,700
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,418/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,326
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,669
−HK$2,381/mo
Today · 4.125%
HK$80,050
baseline
▲ 0.50% · 4.625%
HK$84,921
+HK$4,871/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,100/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,800
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,047
−HK$2,280/mo
Today · 4.125%
HK$88,327
baseline
▲ 0.50% · 4.625%
HK$92,983
+HK$4,656/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,654/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,848
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,861
−HK$3,060/mo
Today · 4.125%
HK$102,921
baseline
▲ 0.50% · 4.625%
HK$109,184
+HK$6,263/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,842/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,743
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,632
−HK$2,932/mo
Today · 4.125%
HK$113,564
baseline
▲ 0.50% · 4.625%
HK$119,550
+HK$5,986/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,128/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,822 · Scale 2, in force from 26 Feb 2026)