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$53,785
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,458
−HK$1,699/mo
Today · 4.125%
HK$57,157
baseline
▲ 0.50% · 4.625%
HK$60,635
+HK$3,478/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,314/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,835
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,440
−HK$1,628/mo
Today · 4.125%
HK$63,068
baseline
▲ 0.50% · 4.625%
HK$66,392
+HK$3,324/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,136/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,542
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,549
−HK$2,040/mo
Today · 4.125%
HK$68,589
baseline
▲ 0.50% · 4.625%
HK$72,762
+HK$4,173/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,178/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,802
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,728
−HK$1,953/mo
Today · 4.125%
HK$75,681
baseline
▲ 0.50% · 4.625%
HK$79,670
+HK$3,989/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,362/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,299
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,641
−HK$2,379/mo
Today · 4.125%
HK$80,020
baseline
▲ 0.50% · 4.625%
HK$84,890
+HK$4,870/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$160,040/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,769
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,016
−HK$2,279/mo
Today · 4.125%
HK$88,295
baseline
▲ 0.50% · 4.625%
HK$92,949
+HK$4,654/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$176,590/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,812
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$99,824
−HK$3,059/mo
Today · 4.125%
HK$102,883
baseline
▲ 0.50% · 4.625%
HK$109,144
+HK$6,261/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$205,766/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,703
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,591
−HK$2,931/mo
Today · 4.125%
HK$113,522
baseline
▲ 0.50% · 4.625%
HK$119,506
+HK$5,984/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$227,044/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,453 · Scale 2, in force from 26 Feb 2026)