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$53,920
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,597
−HK$1,704/mo
Today · 4.125%
HK$57,301
baseline
▲ 0.50% · 4.625%
HK$60,787
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,602/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,985
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,594
−HK$1,632/mo
Today · 4.125%
HK$63,226
baseline
▲ 0.50% · 4.625%
HK$66,559
+HK$3,333/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,452/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,703
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,716
−HK$2,045/mo
Today · 4.125%
HK$68,761
baseline
▲ 0.50% · 4.625%
HK$72,945
+HK$4,184/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,522/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,982
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,913
−HK$1,958/mo
Today · 4.125%
HK$75,871
baseline
▲ 0.50% · 4.625%
HK$79,870
+HK$3,999/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,742/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,487
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,836
−HK$2,385/mo
Today · 4.125%
HK$80,221
baseline
▲ 0.50% · 4.625%
HK$85,102
+HK$4,881/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,442/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,979
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,231
−HK$2,285/mo
Today · 4.125%
HK$88,516
baseline
▲ 0.50% · 4.625%
HK$93,182
+HK$4,666/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,032/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,055
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,074
−HK$3,067/mo
Today · 4.125%
HK$103,141
baseline
▲ 0.50% · 4.625%
HK$109,417
+HK$6,276/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,282/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,973
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,869
−HK$2,937/mo
Today · 4.125%
HK$113,806
baseline
▲ 0.50% · 4.625%
HK$119,805
+HK$5,999/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,612/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,967 · Scale 2, in force from 26 Feb 2026)