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$53,826
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,501
−HK$1,701/mo
Today · 4.125%
HK$57,202
baseline
▲ 0.50% · 4.625%
HK$60,682
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,404/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,881
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,487
−HK$1,630/mo
Today · 4.125%
HK$63,117
baseline
▲ 0.50% · 4.625%
HK$66,443
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,234/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,592
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,601
−HK$2,041/mo
Today · 4.125%
HK$68,642
baseline
▲ 0.50% · 4.625%
HK$72,819
+HK$4,177/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,284/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,858
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,785
−HK$1,955/mo
Today · 4.125%
HK$75,740
baseline
▲ 0.50% · 4.625%
HK$79,732
+HK$3,992/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,480/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,357
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,701
−HK$2,381/mo
Today · 4.125%
HK$80,082
baseline
▲ 0.50% · 4.625%
HK$84,955
+HK$4,873/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,164/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,834
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,082
−HK$2,281/mo
Today · 4.125%
HK$88,363
baseline
▲ 0.50% · 4.625%
HK$93,021
+HK$4,658/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,726/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,888
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,901
−HK$3,062/mo
Today · 4.125%
HK$102,963
baseline
▲ 0.50% · 4.625%
HK$109,228
+HK$6,265/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,926/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,786
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,677
−HK$2,933/mo
Today · 4.125%
HK$113,610
baseline
▲ 0.50% · 4.625%
HK$119,598
+HK$5,988/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,220/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,230 · Scale 2, in force from 26 Feb 2026)