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$53,803
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,477
−HK$1,700/mo
Today · 4.125%
HK$57,177
baseline
▲ 0.50% · 4.625%
HK$60,656
+HK$3,479/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,354/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,856
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,461
−HK$1,628/mo
Today · 4.125%
HK$63,089
baseline
▲ 0.50% · 4.625%
HK$66,415
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,178/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,564
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,572
−HK$2,041/mo
Today · 4.125%
HK$68,613
baseline
▲ 0.50% · 4.625%
HK$72,787
+HK$4,174/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,226/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,827
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,753
−HK$1,954/mo
Today · 4.125%
HK$75,707
baseline
▲ 0.50% · 4.625%
HK$79,698
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,414/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,324
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,668
−HK$2,380/mo
Today · 4.125%
HK$80,048
baseline
▲ 0.50% · 4.625%
HK$84,919
+HK$4,871/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,096/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,798
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,045
−HK$2,280/mo
Today · 4.125%
HK$88,325
baseline
▲ 0.50% · 4.625%
HK$92,981
+HK$4,656/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,650/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,846
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,858
−HK$3,061/mo
Today · 4.125%
HK$102,919
baseline
▲ 0.50% · 4.625%
HK$109,181
+HK$6,262/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,838/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,740
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,629
−HK$2,932/mo
Today · 4.125%
HK$113,561
baseline
▲ 0.50% · 4.625%
HK$119,547
+HK$5,986/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,122/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,798 · Scale 2, in force from 26 Feb 2026)