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$53,755
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,427
−HK$1,699/mo
Today · 4.125%
HK$57,126
baseline
▲ 0.50% · 4.625%
HK$60,602
+HK$3,476/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,252/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,802
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,406
−HK$1,627/mo
Today · 4.125%
HK$63,033
baseline
▲ 0.50% · 4.625%
HK$66,355
+HK$3,322/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,066/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,506
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,513
−HK$2,038/mo
Today · 4.125%
HK$68,551
baseline
▲ 0.50% · 4.625%
HK$72,722
+HK$4,171/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,102/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,762
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,687
−HK$1,952/mo
Today · 4.125%
HK$75,639
baseline
▲ 0.50% · 4.625%
HK$79,627
+HK$3,988/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,278/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,257
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,598
−HK$2,378/mo
Today · 4.125%
HK$79,976
baseline
▲ 0.50% · 4.625%
HK$84,843
+HK$4,867/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,952/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,723
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,968
−HK$2,278/mo
Today · 4.125%
HK$88,246
baseline
▲ 0.50% · 4.625%
HK$92,898
+HK$4,652/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,492/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,759
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,769
−HK$3,058/mo
Today · 4.125%
HK$102,827
baseline
▲ 0.50% · 4.625%
HK$109,084
+HK$6,257/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,654/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,644
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,531
−HK$2,928/mo
Today · 4.125%
HK$113,459
baseline
▲ 0.50% · 4.625%
HK$119,440
+HK$5,981/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,918/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,901 · Scale 2, in force from 26 Feb 2026)