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$53,830
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,504
−HK$1,701/mo
Today · 4.125%
HK$57,205
baseline
▲ 0.50% · 4.625%
HK$60,686
+HK$3,481/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,410/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,885
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,491
−HK$1,629/mo
Today · 4.125%
HK$63,120
baseline
▲ 0.50% · 4.625%
HK$66,448
+HK$3,328/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,240/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,596
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,605
−HK$2,041/mo
Today · 4.125%
HK$68,646
baseline
▲ 0.50% · 4.625%
HK$72,823
+HK$4,177/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,292/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,862
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,789
−HK$1,956/mo
Today · 4.125%
HK$75,745
baseline
▲ 0.50% · 4.625%
HK$79,737
+HK$3,992/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,490/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,362
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,706
−HK$2,382/mo
Today · 4.125%
HK$80,088
baseline
▲ 0.50% · 4.625%
HK$84,961
+HK$4,873/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,176/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,839
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,088
−HK$2,281/mo
Today · 4.125%
HK$88,369
baseline
▲ 0.50% · 4.625%
HK$93,027
+HK$4,658/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,738/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,894
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,908
−HK$3,062/mo
Today · 4.125%
HK$102,970
baseline
▲ 0.50% · 4.625%
HK$109,235
+HK$6,265/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$205,940/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,793
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,684
−HK$2,933/mo
Today · 4.125%
HK$113,617
baseline
▲ 0.50% · 4.625%
HK$119,606
+HK$5,989/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,234/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,293 · Scale 2, in force from 26 Feb 2026)