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$53,917
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,594
−HK$1,704/mo
Today · 4.125%
HK$57,298
baseline
▲ 0.50% · 4.625%
HK$60,785
+HK$3,487/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,596/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,982
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,591
−HK$1,632/mo
Today · 4.125%
HK$63,223
baseline
▲ 0.50% · 4.625%
HK$66,555
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,446/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,700
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,713
−HK$2,045/mo
Today · 4.125%
HK$68,758
baseline
▲ 0.50% · 4.625%
HK$72,941
+HK$4,183/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,516/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,979
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,909
−HK$1,958/mo
Today · 4.125%
HK$75,867
baseline
▲ 0.50% · 4.625%
HK$79,866
+HK$3,999/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,734/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,484
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,832
−HK$2,385/mo
Today · 4.125%
HK$80,217
baseline
▲ 0.50% · 4.625%
HK$85,098
+HK$4,881/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,434/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,975
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,227
−HK$2,285/mo
Today · 4.125%
HK$88,512
baseline
▲ 0.50% · 4.625%
HK$93,178
+HK$4,666/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,024/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,051
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,070
−HK$3,067/mo
Today · 4.125%
HK$103,137
baseline
▲ 0.50% · 4.625%
HK$109,412
+HK$6,275/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,274/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,968
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,864
−HK$2,937/mo
Today · 4.125%
HK$113,801
baseline
▲ 0.50% · 4.625%
HK$119,800
+HK$5,999/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,602/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,920 · Scale 2, in force from 26 Feb 2026)