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$53,777
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,450
−HK$1,699/mo
Today · 4.125%
HK$57,149
baseline
▲ 0.50% · 4.625%
HK$60,626
+HK$3,477/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,298/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,826
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,431
−HK$1,627/mo
Today · 4.125%
HK$63,058
baseline
▲ 0.50% · 4.625%
HK$66,382
+HK$3,324/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,116/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,532
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,539
−HK$2,040/mo
Today · 4.125%
HK$68,579
baseline
▲ 0.50% · 4.625%
HK$72,752
+HK$4,173/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,158/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,791
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,717
−HK$1,953/mo
Today · 4.125%
HK$75,670
baseline
▲ 0.50% · 4.625%
HK$79,659
+HK$3,989/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,340/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,287
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,629
−HK$2,380/mo
Today · 4.125%
HK$80,009
baseline
▲ 0.50% · 4.625%
HK$84,877
+HK$4,868/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$160,018/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,757
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$86,003
−HK$2,279/mo
Today · 4.125%
HK$88,282
baseline
▲ 0.50% · 4.625%
HK$92,935
+HK$4,653/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$176,564/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,798
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,809
−HK$3,059/mo
Today · 4.125%
HK$102,868
baseline
▲ 0.50% · 4.625%
HK$109,128
+HK$6,260/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$205,736/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,687
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,575
−HK$2,930/mo
Today · 4.125%
HK$113,505
baseline
▲ 0.50% · 4.625%
HK$119,488
+HK$5,983/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$227,010/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,306 · Scale 2, in force from 26 Feb 2026)