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$53,782
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,455
−HK$1,699/mo
Today · 4.125%
HK$57,154
baseline
▲ 0.50% · 4.625%
HK$60,632
+HK$3,478/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,308/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,832
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,436
−HK$1,628/mo
Today · 4.125%
HK$63,064
baseline
▲ 0.50% · 4.625%
HK$66,388
+HK$3,324/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,128/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,538
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,546
−HK$2,039/mo
Today · 4.125%
HK$68,585
baseline
▲ 0.50% · 4.625%
HK$72,758
+HK$4,173/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,170/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,798
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,723
−HK$1,954/mo
Today · 4.125%
HK$75,677
baseline
▲ 0.50% · 4.625%
HK$79,666
+HK$3,989/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,354/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,294
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,636
−HK$2,380/mo
Today · 4.125%
HK$80,016
baseline
▲ 0.50% · 4.625%
HK$84,885
+HK$4,869/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$160,032/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,764
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,011
−HK$2,279/mo
Today · 4.125%
HK$88,290
baseline
▲ 0.50% · 4.625%
HK$92,944
+HK$4,654/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$176,580/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,807
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$99,818
−HK$3,060/mo
Today · 4.125%
HK$102,878
baseline
▲ 0.50% · 4.625%
HK$109,138
+HK$6,260/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$205,756/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,697
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,585
−HK$2,930/mo
Today · 4.125%
HK$113,515
baseline
▲ 0.50% · 4.625%
HK$119,499
+HK$5,984/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$227,030/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,397 · Scale 2, in force from 26 Feb 2026)