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$53,763
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,435
−HK$1,700/mo
Today · 4.125%
HK$57,135
baseline
▲ 0.50% · 4.625%
HK$60,611
+HK$3,476/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,270/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,811
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,415
−HK$1,627/mo
Today · 4.125%
HK$63,042
baseline
▲ 0.50% · 4.625%
HK$66,365
+HK$3,323/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,084/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,516
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,523
−HK$2,038/mo
Today · 4.125%
HK$68,561
baseline
▲ 0.50% · 4.625%
HK$72,733
+HK$4,172/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,122/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,773
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,698
−HK$1,953/mo
Today · 4.125%
HK$75,651
baseline
▲ 0.50% · 4.625%
HK$79,638
+HK$3,987/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,302/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,268
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,610
−HK$2,378/mo
Today · 4.125%
HK$79,988
baseline
▲ 0.50% · 4.625%
HK$84,855
+HK$4,867/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,976/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,735
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,981
−HK$2,278/mo
Today · 4.125%
HK$88,259
baseline
▲ 0.50% · 4.625%
HK$92,911
+HK$4,652/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,518/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,774
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,784
−HK$3,058/mo
Today · 4.125%
HK$102,842
baseline
▲ 0.50% · 4.625%
HK$109,100
+HK$6,258/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,684/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,660
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,547
−HK$2,929/mo
Today · 4.125%
HK$113,476
baseline
▲ 0.50% · 4.625%
HK$119,458
+HK$5,982/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,952/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,051 · Scale 2, in force from 26 Feb 2026)