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$53,829
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,504
−HK$1,701/mo
Today · 4.125%
HK$57,205
baseline
▲ 0.50% · 4.625%
HK$60,686
+HK$3,481/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,410/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,885
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,491
−HK$1,629/mo
Today · 4.125%
HK$63,120
baseline
▲ 0.50% · 4.625%
HK$66,447
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,240/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,595
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,605
−HK$2,041/mo
Today · 4.125%
HK$68,646
baseline
▲ 0.50% · 4.625%
HK$72,823
+HK$4,177/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,292/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,862
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,789
−HK$1,955/mo
Today · 4.125%
HK$75,744
baseline
▲ 0.50% · 4.625%
HK$79,737
+HK$3,993/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,488/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,361
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,705
−HK$2,382/mo
Today · 4.125%
HK$80,087
baseline
▲ 0.50% · 4.625%
HK$84,960
+HK$4,873/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,174/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,839
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,087
−HK$2,281/mo
Today · 4.125%
HK$88,368
baseline
▲ 0.50% · 4.625%
HK$93,026
+HK$4,658/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,736/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,893
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,907
−HK$3,062/mo
Today · 4.125%
HK$102,969
baseline
▲ 0.50% · 4.625%
HK$109,234
+HK$6,265/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$205,938/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,792
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,683
−HK$2,933/mo
Today · 4.125%
HK$113,616
baseline
▲ 0.50% · 4.625%
HK$119,605
+HK$5,989/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,232/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,287 · Scale 2, in force from 26 Feb 2026)