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$53,721
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,392
−HK$1,698/mo
Today · 4.125%
HK$57,090
baseline
▲ 0.50% · 4.625%
HK$60,564
+HK$3,474/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,180/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,765
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,367
−HK$1,626/mo
Today · 4.125%
HK$62,993
baseline
▲ 0.50% · 4.625%
HK$66,314
+HK$3,321/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,986/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,466
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,471
−HK$2,037/mo
Today · 4.125%
HK$68,508
baseline
▲ 0.50% · 4.625%
HK$72,677
+HK$4,169/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$137,016/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,717
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,641
−HK$1,951/mo
Today · 4.125%
HK$75,592
baseline
▲ 0.50% · 4.625%
HK$79,577
+HK$3,985/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$151,184/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,210
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,549
−HK$2,377/mo
Today · 4.125%
HK$79,926
baseline
▲ 0.50% · 4.625%
HK$84,790
+HK$4,864/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,852/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,670
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,914
−HK$2,277/mo
Today · 4.125%
HK$88,191
baseline
▲ 0.50% · 4.625%
HK$92,839
+HK$4,648/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,382/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,699
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$99,706
−HK$3,056/mo
Today · 4.125%
HK$102,762
baseline
▲ 0.50% · 4.625%
HK$109,015
+HK$6,253/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,524/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,576
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,461
−HK$2,927/mo
Today · 4.125%
HK$113,388
baseline
▲ 0.50% · 4.625%
HK$119,365
+HK$5,977/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,776/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,273 · Scale 2, in force from 26 Feb 2026)