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$53,855
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,531
−HK$1,702/mo
Today · 4.125%
HK$57,233
baseline
▲ 0.50% · 4.625%
HK$60,715
+HK$3,482/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,466/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,914
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,520
−HK$1,631/mo
Today · 4.125%
HK$63,151
baseline
▲ 0.50% · 4.625%
HK$66,479
+HK$3,328/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,302/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,626
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,637
−HK$2,042/mo
Today · 4.125%
HK$68,679
baseline
▲ 0.50% · 4.625%
HK$72,858
+HK$4,179/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,358/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,896
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,825
−HK$1,956/mo
Today · 4.125%
HK$75,781
baseline
▲ 0.50% · 4.625%
HK$79,775
+HK$3,994/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,562/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,398
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,743
−HK$2,383/mo
Today · 4.125%
HK$80,126
baseline
▲ 0.50% · 4.625%
HK$85,001
+HK$4,875/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$160,252/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,879
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,129
−HK$2,282/mo
Today · 4.125%
HK$88,411
baseline
▲ 0.50% · 4.625%
HK$93,071
+HK$4,660/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$176,822/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,940
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,955
−HK$3,064/mo
Today · 4.125%
HK$103,019
baseline
▲ 0.50% · 4.625%
HK$109,287
+HK$6,268/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,038/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,844
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,737
−HK$2,934/mo
Today · 4.125%
HK$113,671
baseline
▲ 0.50% · 4.625%
HK$119,663
+HK$5,992/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,342/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,771 · Scale 2, in force from 26 Feb 2026)