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$53,816
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,490
−HK$1,701/mo
Today · 4.125%
HK$57,191
baseline
▲ 0.50% · 4.625%
HK$60,671
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,382/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,870
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,476
−HK$1,629/mo
Today · 4.125%
HK$63,105
baseline
▲ 0.50% · 4.625%
HK$66,431
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,210/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,580
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,588
−HK$2,041/mo
Today · 4.125%
HK$68,629
baseline
▲ 0.50% · 4.625%
HK$72,805
+HK$4,176/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,258/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,844
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,771
−HK$1,955/mo
Today · 4.125%
HK$75,726
baseline
▲ 0.50% · 4.625%
HK$79,717
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,452/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,343
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,686
−HK$2,381/mo
Today · 4.125%
HK$80,067
baseline
▲ 0.50% · 4.625%
HK$84,939
+HK$4,872/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,134/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,818
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,066
−HK$2,281/mo
Today · 4.125%
HK$88,347
baseline
▲ 0.50% · 4.625%
HK$93,003
+HK$4,656/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,694/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,869
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,882
−HK$3,062/mo
Today · 4.125%
HK$102,944
baseline
▲ 0.50% · 4.625%
HK$109,208
+HK$6,264/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,888/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,766
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,656
−HK$2,932/mo
Today · 4.125%
HK$113,588
baseline
▲ 0.50% · 4.625%
HK$119,576
+HK$5,988/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,176/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,042 · Scale 2, in force from 26 Feb 2026)