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$53,846
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,521
−HK$1,702/mo
Today · 4.125%
HK$57,223
baseline
▲ 0.50% · 4.625%
HK$60,705
+HK$3,482/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,446/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,903
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,510
−HK$1,630/mo
Today · 4.125%
HK$63,140
baseline
▲ 0.50% · 4.625%
HK$66,468
+HK$3,328/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,280/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,615
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,625
−HK$2,042/mo
Today · 4.125%
HK$68,667
baseline
▲ 0.50% · 4.625%
HK$72,845
+HK$4,178/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,334/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,884
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,812
−HK$1,956/mo
Today · 4.125%
HK$75,768
baseline
▲ 0.50% · 4.625%
HK$79,761
+HK$3,993/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,536/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,385
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,729
−HK$2,383/mo
Today · 4.125%
HK$80,112
baseline
▲ 0.50% · 4.625%
HK$84,986
+HK$4,874/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,224/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,865
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,114
−HK$2,281/mo
Today · 4.125%
HK$88,395
baseline
▲ 0.50% · 4.625%
HK$93,055
+HK$4,660/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,790/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,923
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,938
−HK$3,063/mo
Today · 4.125%
HK$103,001
baseline
▲ 0.50% · 4.625%
HK$109,268
+HK$6,267/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$206,002/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,826
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,718
−HK$2,933/mo
Today · 4.125%
HK$113,651
baseline
▲ 0.50% · 4.625%
HK$119,642
+HK$5,991/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,302/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,598 · Scale 2, in force from 26 Feb 2026)