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$53,734
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,405
−HK$1,698/mo
Today · 4.125%
HK$57,103
baseline
▲ 0.50% · 4.625%
HK$60,578
+HK$3,475/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,206/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,778
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,382
−HK$1,626/mo
Today · 4.125%
HK$63,008
baseline
▲ 0.50% · 4.625%
HK$66,329
+HK$3,321/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,016/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,481
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,486
−HK$2,038/mo
Today · 4.125%
HK$68,524
baseline
▲ 0.50% · 4.625%
HK$72,694
+HK$4,170/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,048/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,734
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,658
−HK$1,952/mo
Today · 4.125%
HK$75,610
baseline
▲ 0.50% · 4.625%
HK$79,595
+HK$3,985/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,220/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,227
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,567
−HK$2,378/mo
Today · 4.125%
HK$79,945
baseline
▲ 0.50% · 4.625%
HK$84,809
+HK$4,864/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,890/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,690
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,934
−HK$2,277/mo
Today · 4.125%
HK$88,211
baseline
▲ 0.50% · 4.625%
HK$92,861
+HK$4,650/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,422/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,721
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,729
−HK$3,057/mo
Today · 4.125%
HK$102,786
baseline
▲ 0.50% · 4.625%
HK$109,040
+HK$6,254/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,572/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,601
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,487
−HK$2,927/mo
Today · 4.125%
HK$113,414
baseline
▲ 0.50% · 4.625%
HK$119,393
+HK$5,979/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,828/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,504 · Scale 2, in force from 26 Feb 2026)