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$53,722
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,393
−HK$1,698/mo
Today · 4.125%
HK$57,091
baseline
▲ 0.50% · 4.625%
HK$60,565
+HK$3,474/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,182/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,765
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,368
−HK$1,626/mo
Today · 4.125%
HK$62,994
baseline
▲ 0.50% · 4.625%
HK$66,314
+HK$3,320/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,988/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,466
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,472
−HK$2,037/mo
Today · 4.125%
HK$68,509
baseline
▲ 0.50% · 4.625%
HK$72,677
+HK$4,168/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$137,018/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,718
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,642
−HK$1,951/mo
Today · 4.125%
HK$75,593
baseline
▲ 0.50% · 4.625%
HK$79,577
+HK$3,984/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$151,186/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,211
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,550
−HK$2,377/mo
Today · 4.125%
HK$79,927
baseline
▲ 0.50% · 4.625%
HK$84,790
+HK$4,863/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,854/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,671
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,915
−HK$2,277/mo
Today · 4.125%
HK$88,192
baseline
▲ 0.50% · 4.625%
HK$92,840
+HK$4,648/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,384/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,699
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,707
−HK$3,056/mo
Today · 4.125%
HK$102,763
baseline
▲ 0.50% · 4.625%
HK$109,016
+HK$6,253/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,526/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,577
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,462
−HK$2,927/mo
Today · 4.125%
HK$113,389
baseline
▲ 0.50% · 4.625%
HK$119,366
+HK$5,977/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,778/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,283 · Scale 2, in force from 26 Feb 2026)