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$53,844
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,519
−HK$1,702/mo
Today · 4.125%
HK$57,221
baseline
▲ 0.50% · 4.625%
HK$60,703
+HK$3,482/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,442/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,901
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,508
−HK$1,630/mo
Today · 4.125%
HK$63,138
baseline
▲ 0.50% · 4.625%
HK$66,466
+HK$3,328/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,276/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,613
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,623
−HK$2,042/mo
Today · 4.125%
HK$68,665
baseline
▲ 0.50% · 4.625%
HK$72,843
+HK$4,178/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,330/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,882
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,810
−HK$1,955/mo
Today · 4.125%
HK$75,765
baseline
▲ 0.50% · 4.625%
HK$79,759
+HK$3,994/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,530/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,382
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,727
−HK$2,382/mo
Today · 4.125%
HK$80,109
baseline
▲ 0.50% · 4.625%
HK$84,984
+HK$4,875/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,218/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,862
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,111
−HK$2,282/mo
Today · 4.125%
HK$88,393
baseline
▲ 0.50% · 4.625%
HK$93,052
+HK$4,659/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,786/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,920
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,935
−HK$3,063/mo
Today · 4.125%
HK$102,998
baseline
▲ 0.50% · 4.625%
HK$109,265
+HK$6,267/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$205,996/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,823
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,714
−HK$2,934/mo
Today · 4.125%
HK$113,648
baseline
▲ 0.50% · 4.625%
HK$119,638
+HK$5,990/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,296/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,567 · Scale 2, in force from 26 Feb 2026)