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$53,811
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,485
−HK$1,700/mo
Today · 4.125%
HK$57,185
baseline
▲ 0.50% · 4.625%
HK$60,665
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,370/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,864
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,469
−HK$1,629/mo
Today · 4.125%
HK$63,098
baseline
▲ 0.50% · 4.625%
HK$66,424
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,196/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,573
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,582
−HK$2,040/mo
Today · 4.125%
HK$68,622
baseline
▲ 0.50% · 4.625%
HK$72,798
+HK$4,176/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,244/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,837
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,763
−HK$1,955/mo
Today · 4.125%
HK$75,718
baseline
▲ 0.50% · 4.625%
HK$79,709
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,436/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,335
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,678
−HK$2,381/mo
Today · 4.125%
HK$80,059
baseline
▲ 0.50% · 4.625%
HK$84,931
+HK$4,872/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,118/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,810
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,057
−HK$2,280/mo
Today · 4.125%
HK$88,337
baseline
▲ 0.50% · 4.625%
HK$92,994
+HK$4,657/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,674/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,859
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,872
−HK$3,061/mo
Today · 4.125%
HK$102,933
baseline
▲ 0.50% · 4.625%
HK$109,197
+HK$6,264/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,866/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,755
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,645
−HK$2,932/mo
Today · 4.125%
HK$113,577
baseline
▲ 0.50% · 4.625%
HK$119,564
+HK$5,987/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,154/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,939 · Scale 2, in force from 26 Feb 2026)