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$53,708
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,378
−HK$1,697/mo
Today · 4.125%
HK$57,075
baseline
▲ 0.50% · 4.625%
HK$60,548
+HK$3,473/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,150/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,749
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,352
−HK$1,625/mo
Today · 4.125%
HK$62,977
baseline
▲ 0.50% · 4.625%
HK$66,297
+HK$3,320/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,954/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,449
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,454
−HK$2,037/mo
Today · 4.125%
HK$68,491
baseline
▲ 0.50% · 4.625%
HK$72,658
+HK$4,167/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,982/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,001,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,699
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,622
−HK$1,951/mo
Today · 4.125%
HK$75,573
baseline
▲ 0.50% · 4.625%
HK$79,556
+HK$3,983/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,146/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,001,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,191
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,529
−HK$2,377/mo
Today · 4.125%
HK$79,906
baseline
▲ 0.50% · 4.625%
HK$84,768
+HK$4,862/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,812/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,649
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,892
−HK$2,276/mo
Today · 4.125%
HK$88,168
baseline
▲ 0.50% · 4.625%
HK$92,815
+HK$4,647/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,336/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,674
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$99,681
−HK$3,055/mo
Today · 4.125%
HK$102,736
baseline
▲ 0.50% · 4.625%
HK$108,987
+HK$6,251/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,472/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,548
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$110,433
−HK$2,926/mo
Today · 4.125%
HK$113,359
baseline
▲ 0.50% · 4.625%
HK$119,334
+HK$5,975/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,718/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,015 · Scale 2, in force from 26 Feb 2026)