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$53,800
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,473
−HK$1,700/mo
Today · 4.125%
HK$57,173
baseline
▲ 0.50% · 4.625%
HK$60,652
+HK$3,479/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,346/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,852
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,457
−HK$1,628/mo
Today · 4.125%
HK$63,085
baseline
▲ 0.50% · 4.625%
HK$66,410
+HK$3,325/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,170/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,560
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,568
−HK$2,040/mo
Today · 4.125%
HK$68,608
baseline
▲ 0.50% · 4.625%
HK$72,783
+HK$4,175/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,216/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,822
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,748
−HK$1,954/mo
Today · 4.125%
HK$75,702
baseline
▲ 0.50% · 4.625%
HK$79,692
+HK$3,990/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,404/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,319
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,662
−HK$2,381/mo
Today · 4.125%
HK$80,043
baseline
▲ 0.50% · 4.625%
HK$84,913
+HK$4,870/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,086/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,792
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,039
−HK$2,280/mo
Today · 4.125%
HK$88,319
baseline
▲ 0.50% · 4.625%
HK$92,975
+HK$4,656/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,638/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,839
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,852
−HK$3,060/mo
Today · 4.125%
HK$102,912
baseline
▲ 0.50% · 4.625%
HK$109,174
+HK$6,262/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$205,824/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,733
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$110,622
−HK$2,931/mo
Today · 4.125%
HK$113,553
baseline
▲ 0.50% · 4.625%
HK$119,539
+HK$5,986/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$227,106/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,731 · Scale 2, in force from 26 Feb 2026)