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$53,762
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,435
−HK$1,699/mo
Today · 4.125%
HK$57,134
baseline
▲ 0.50% · 4.625%
HK$60,610
+HK$3,476/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,268/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,810
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,414
−HK$1,627/mo
Today · 4.125%
HK$63,041
baseline
▲ 0.50% · 4.625%
HK$66,364
+HK$3,323/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,082/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,515
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,521
−HK$2,039/mo
Today · 4.125%
HK$68,560
baseline
▲ 0.50% · 4.625%
HK$72,732
+HK$4,172/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,120/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,772
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,697
−HK$1,953/mo
Today · 4.125%
HK$75,650
baseline
▲ 0.50% · 4.625%
HK$79,637
+HK$3,987/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,300/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,267
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,608
−HK$2,379/mo
Today · 4.125%
HK$79,987
baseline
▲ 0.50% · 4.625%
HK$84,854
+HK$4,867/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,974/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,734
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,980
−HK$2,278/mo
Today · 4.125%
HK$88,258
baseline
▲ 0.50% · 4.625%
HK$92,910
+HK$4,652/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,516/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,772
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,782
−HK$3,058/mo
Today · 4.125%
HK$102,840
baseline
▲ 0.50% · 4.625%
HK$109,098
+HK$6,258/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,680/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,658
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,545
−HK$2,929/mo
Today · 4.125%
HK$113,474
baseline
▲ 0.50% · 4.625%
HK$119,456
+HK$5,982/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,948/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,034 · Scale 2, in force from 26 Feb 2026)