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$53,716
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,387
−HK$1,697/mo
Today · 4.125%
HK$57,084
baseline
▲ 0.50% · 4.625%
HK$60,558
+HK$3,474/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,168/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,758
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,361
−HK$1,626/mo
Today · 4.125%
HK$62,987
baseline
▲ 0.50% · 4.625%
HK$66,307
+HK$3,320/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,974/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,459
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,464
−HK$2,037/mo
Today · 4.125%
HK$68,501
baseline
▲ 0.50% · 4.625%
HK$72,669
+HK$4,168/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$137,002/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,001,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,710
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,633
−HK$1,951/mo
Today · 4.125%
HK$75,584
baseline
▲ 0.50% · 4.625%
HK$79,569
+HK$3,985/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,168/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,001,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,202
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,542
−HK$2,376/mo
Today · 4.125%
HK$79,918
baseline
▲ 0.50% · 4.625%
HK$84,781
+HK$4,863/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,836/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,662
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,906
−HK$2,276/mo
Today · 4.125%
HK$88,182
baseline
▲ 0.50% · 4.625%
HK$92,830
+HK$4,648/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,364/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,689
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$99,696
−HK$3,056/mo
Today · 4.125%
HK$102,752
baseline
▲ 0.50% · 4.625%
HK$109,004
+HK$6,252/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,504/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,565
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,450
−HK$2,927/mo
Today · 4.125%
HK$113,377
baseline
▲ 0.50% · 4.625%
HK$119,353
+HK$5,976/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,754/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,172 · Scale 2, in force from 26 Feb 2026)