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$53,810
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,484
−HK$1,700/mo
Today · 4.125%
HK$57,184
baseline
▲ 0.50% · 4.625%
HK$60,664
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,368/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,863
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,469
−HK$1,628/mo
Today · 4.125%
HK$63,097
baseline
▲ 0.50% · 4.625%
HK$66,423
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,194/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,572
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,581
−HK$2,040/mo
Today · 4.125%
HK$68,621
baseline
▲ 0.50% · 4.625%
HK$72,797
+HK$4,176/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,242/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,836
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,762
−HK$1,955/mo
Today · 4.125%
HK$75,717
baseline
▲ 0.50% · 4.625%
HK$79,708
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,434/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,334
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,677
−HK$2,381/mo
Today · 4.125%
HK$80,058
baseline
▲ 0.50% · 4.625%
HK$84,930
+HK$4,872/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,116/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,809
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,056
−HK$2,280/mo
Today · 4.125%
HK$88,336
baseline
▲ 0.50% · 4.625%
HK$92,993
+HK$4,657/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,672/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,858
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,871
−HK$3,061/mo
Today · 4.125%
HK$102,932
baseline
▲ 0.50% · 4.625%
HK$109,195
+HK$6,263/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,864/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,754
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,644
−HK$2,931/mo
Today · 4.125%
HK$113,575
baseline
▲ 0.50% · 4.625%
HK$119,562
+HK$5,987/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,150/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,927 · Scale 2, in force from 26 Feb 2026)